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$37,969
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,200/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,805
+HK$2,455/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,240
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,150/mo
Today · 4.125%
HK$44,523
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,346/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,046/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,563
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,980
−HK$1,440/mo
Today · 4.125%
HK$48,420
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,840/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,048
−HK$1,379/mo
Today · 4.125%
HK$53,427
baseline
▲ 0.50% · 4.625%
HK$56,243
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,854/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,157
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,680/mo
Today · 4.125%
HK$56,490
baseline
▲ 0.50% · 4.625%
HK$59,928
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,980/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,137
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,723
−HK$1,609/mo
Today · 4.125%
HK$62,332
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,285/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,664/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,345
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,471
−HK$2,159/mo
Today · 4.125%
HK$72,630
baseline
▲ 0.50% · 4.625%
HK$77,050
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,260/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,033
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,072
−HK$2,069/mo
Today · 4.125%
HK$80,141
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,224/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,282/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,425 · Scale 2, in force from 26 Feb 2026)