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$38,000
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,201/mo
Today · 4.125%
HK$40,383
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,766/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,150/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,600
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,441/mo
Today · 4.125%
HK$48,460
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,920/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,730
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,380/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,201
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,855
−HK$1,682/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,977
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,185
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,772
−HK$1,611/mo
Today · 4.125%
HK$62,383
baseline
▲ 0.50% · 4.625%
HK$65,671
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,766/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,401
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,528
−HK$2,162/mo
Today · 4.125%
HK$72,690
baseline
▲ 0.50% · 4.625%
HK$77,113
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,380/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,095
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,136
−HK$2,070/mo
Today · 4.125%
HK$80,206
baseline
▲ 0.50% · 4.625%
HK$84,434
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,412/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,937 · Scale 2, in force from 26 Feb 2026)