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$37,994
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,201/mo
Today · 4.125%
HK$40,377
baseline
▲ 0.50% · 4.625%
HK$42,833
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,754/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,402
−HK$1,150/mo
Today · 4.125%
HK$44,552
baseline
▲ 0.50% · 4.625%
HK$46,900
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,104/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,011
−HK$1,441/mo
Today · 4.125%
HK$48,452
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,948/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$96,904/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,380/mo
Today · 4.125%
HK$53,462
baseline
▲ 0.50% · 4.625%
HK$56,280
+HK$2,818/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$106,924/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,192
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,681/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,967
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,175
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,762
−HK$1,610/mo
Today · 4.125%
HK$62,372
baseline
▲ 0.50% · 4.625%
HK$65,660
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,744/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,389
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,517
−HK$2,161/mo
Today · 4.125%
HK$72,678
baseline
▲ 0.50% · 4.625%
HK$77,100
+HK$4,422/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,356/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,082
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,123
−HK$2,070/mo
Today · 4.125%
HK$80,193
baseline
▲ 0.50% · 4.625%
HK$84,420
+HK$4,227/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,386/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,833 · Scale 2, in force from 26 Feb 2026)