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$37,984
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,200/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,149/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,441/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$51,387
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,709
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,069
−HK$1,379/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,266
+HK$2,818/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,178
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,832
−HK$1,681/mo
Today · 4.125%
HK$56,513
baseline
▲ 0.50% · 4.625%
HK$59,952
+HK$3,439/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,026/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,160
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,747
−HK$1,610/mo
Today · 4.125%
HK$62,357
baseline
▲ 0.50% · 4.625%
HK$65,643
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,499
−HK$2,161/mo
Today · 4.125%
HK$72,660
baseline
▲ 0.50% · 4.625%
HK$77,081
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,320/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,063
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,070/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$84,399
+HK$4,226/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,675 · Scale 2, in force from 26 Feb 2026)