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$38,041
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,225
−HK$1,202/mo
Today · 4.125%
HK$40,427
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,854/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,321
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,151/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$46,958
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,650
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,070
−HK$1,442/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,785
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,147
−HK$1,381/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,350
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,258
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,914
−HK$1,684/mo
Today · 4.125%
HK$56,598
baseline
▲ 0.50% · 4.625%
HK$60,041
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$113,196/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,249
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,838
−HK$1,612/mo
Today · 4.125%
HK$62,450
baseline
▲ 0.50% · 4.625%
HK$65,742
+HK$3,292/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,900/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$2,164/mo
Today · 4.125%
HK$72,768
baseline
▲ 0.50% · 4.625%
HK$77,196
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,177
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,073/mo
Today · 4.125%
HK$80,293
baseline
▲ 0.50% · 4.625%
HK$84,525
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,586/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,610 · Scale 2, in force from 26 Feb 2026)