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$37,975
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,200/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,812
+HK$2,455/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,150/mo
Today · 4.125%
HK$44,530
baseline
▲ 0.50% · 4.625%
HK$46,877
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,060/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,988
−HK$1,440/mo
Today · 4.125%
HK$48,428
baseline
▲ 0.50% · 4.625%
HK$51,375
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,856/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,697
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,056
−HK$1,380/mo
Today · 4.125%
HK$53,436
baseline
▲ 0.50% · 4.625%
HK$56,252
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,872/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,166
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,819
−HK$1,680/mo
Today · 4.125%
HK$56,499
baseline
▲ 0.50% · 4.625%
HK$59,937
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,998/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,146
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,732
−HK$1,610/mo
Today · 4.125%
HK$62,342
baseline
▲ 0.50% · 4.625%
HK$65,628
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,684/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,356
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,482
−HK$2,160/mo
Today · 4.125%
HK$72,642
baseline
▲ 0.50% · 4.625%
HK$77,062
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,284/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,045
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,084
−HK$2,069/mo
Today · 4.125%
HK$80,153
baseline
▲ 0.50% · 4.625%
HK$84,378
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,306/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,525 · Scale 2, in force from 26 Feb 2026)