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$37,985
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,201/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,150/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$46,889
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,582
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,440/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,948/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,709
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,069
−HK$1,380/mo
Today · 4.125%
HK$53,449
baseline
▲ 0.50% · 4.625%
HK$56,266
+HK$2,817/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,898/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,179
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,833
−HK$1,681/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,952
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,161
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,748
−HK$1,609/mo
Today · 4.125%
HK$62,357
baseline
▲ 0.50% · 4.625%
HK$65,644
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,373
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$2,160/mo
Today · 4.125%
HK$72,660
baseline
▲ 0.50% · 4.625%
HK$77,082
+HK$4,422/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,320/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,104
−HK$2,070/mo
Today · 4.125%
HK$80,174
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,226/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,348/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,683 · Scale 2, in force from 26 Feb 2026)