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$2,385/mo
▼ 0.25% · 3.875%
HK$39,202
−HK$1,202/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,150/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$625,249 · 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$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,755
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,117
−HK$1,381/mo
Today · 4.125%
HK$53,498
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,996/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,227
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,883
−HK$1,682/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$60,007
+HK$3,442/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$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,215
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,803
−HK$1,611/mo
Today · 4.125%
HK$62,414
baseline
▲ 0.50% · 4.625%
HK$65,704
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,828/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,435
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,564
−HK$2,162/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$4,426/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$625,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,133
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,071/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$625,249 · Scale 2, in force from 26 Feb 2026)