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$2,385/mo
▼ 0.25% · 3.875%
HK$39,217
−HK$1,202/mo
Today · 4.125%
HK$40,419
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,838/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,312
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,151/mo
Today · 4.125%
HK$44,598
baseline
▲ 0.50% · 4.625%
HK$46,949
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,196/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,443/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,454
+HK$2,951/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$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,775
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,381/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,339
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,683/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,030
+HK$3,443/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$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,237
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,612/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$65,729
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,591
−HK$2,163/mo
Today · 4.125%
HK$72,754
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,508/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,162
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,205
−HK$2,072/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$84,509
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,489 · Scale 2, in force from 26 Feb 2026)