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$37,968
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,149
−HK$1,200/mo
Today · 4.125%
HK$40,349
baseline
▲ 0.50% · 4.625%
HK$42,805
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,698/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,239
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,372
−HK$1,150/mo
Today · 4.125%
HK$44,522
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,346/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,044/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,562
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,979
−HK$1,440/mo
Today · 4.125%
HK$48,419
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,838/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,047
−HK$1,379/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,242
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,809
−HK$1,680/mo
Today · 4.125%
HK$56,489
baseline
▲ 0.50% · 4.625%
HK$59,926
+HK$3,437/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,978/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,135
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,721
−HK$1,609/mo
Today · 4.125%
HK$62,330
baseline
▲ 0.50% · 4.625%
HK$65,616
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,660/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,343
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,469
−HK$2,160/mo
Today · 4.125%
HK$72,629
baseline
▲ 0.50% · 4.625%
HK$77,048
+HK$4,419/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,258/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,031
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,070
−HK$2,069/mo
Today · 4.125%
HK$80,139
baseline
▲ 0.50% · 4.625%
HK$84,363
+HK$4,224/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,278/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,411 · Scale 2, in force from 26 Feb 2026)