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$38,008
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,190
−HK$1,202/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,150/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,442/mo
Today · 4.125%
HK$48,470
baseline
▲ 0.50% · 4.625%
HK$51,419
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,940/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,101
−HK$1,381/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,211
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,866
−HK$1,682/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,989
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,197
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,610/mo
Today · 4.125%
HK$62,395
baseline
▲ 0.50% · 4.625%
HK$65,684
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,790/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,415
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,543
−HK$2,162/mo
Today · 4.125%
HK$72,705
baseline
▲ 0.50% · 4.625%
HK$77,129
+HK$4,424/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,410/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,110
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,152
−HK$2,071/mo
Today · 4.125%
HK$80,223
baseline
▲ 0.50% · 4.625%
HK$84,451
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,446/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,063 · Scale 2, in force from 26 Feb 2026)