The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,001
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,201/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,150/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,601
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,020
−HK$1,441/mo
Today · 4.125%
HK$48,461
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,948/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,922/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,731
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,381/mo
Today · 4.125%
HK$53,472
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,944/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,201
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,682/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,978
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,186
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,773
−HK$1,611/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$65,672
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,529
−HK$2,162/mo
Today · 4.125%
HK$72,691
baseline
▲ 0.50% · 4.625%
HK$77,114
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,382/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,096
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,137
−HK$2,070/mo
Today · 4.125%
HK$80,207
baseline
▲ 0.50% · 4.625%
HK$84,435
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,414/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,946 · Scale 2, in force from 26 Feb 2026)