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$38,019
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,202
−HK$1,201/mo
Today · 4.125%
HK$40,403
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,806/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,430
−HK$1,151/mo
Today · 4.125%
HK$44,581
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,162/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,623
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,042
−HK$1,442/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,755
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,116
−HK$1,381/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,227
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,882
−HK$1,683/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,130/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,214
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,802
−HK$1,611/mo
Today · 4.125%
HK$62,413
baseline
▲ 0.50% · 4.625%
HK$65,703
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,826/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,434
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,563
−HK$2,163/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$77,151
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,133
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,174
−HK$2,072/mo
Today · 4.125%
HK$80,246
baseline
▲ 0.50% · 4.625%
HK$84,476
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,492/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,245 · Scale 2, in force from 26 Feb 2026)