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$38,034
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,202/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,151/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,061
−HK$1,442/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,006/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,776
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,382/mo
Today · 4.125%
HK$53,519
baseline
▲ 0.50% · 4.625%
HK$56,340
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,038/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,682/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,444/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,238
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,612/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,462
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,592
−HK$2,163/mo
Today · 4.125%
HK$72,755
baseline
▲ 0.50% · 4.625%
HK$77,182
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,163
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,206
−HK$2,072/mo
Today · 4.125%
HK$80,278
baseline
▲ 0.50% · 4.625%
HK$84,510
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,556/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,497 · Scale 2, in force from 26 Feb 2026)