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$38,004
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,186
−HK$1,201/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,150/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$46,912
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,605
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,442/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,735
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,096
−HK$1,380/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,206
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,861
−HK$1,681/mo
Today · 4.125%
HK$56,542
baseline
▲ 0.50% · 4.625%
HK$59,983
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,084/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,191
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,778
−HK$1,611/mo
Today · 4.125%
HK$62,389
baseline
▲ 0.50% · 4.625%
HK$65,677
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,778/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,407
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$2,162/mo
Today · 4.125%
HK$72,697
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,394/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,102
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,143
−HK$2,071/mo
Today · 4.125%
HK$80,214
baseline
▲ 0.50% · 4.625%
HK$84,442
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,428/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,997 · Scale 2, in force from 26 Feb 2026)