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$37,982
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,163
−HK$1,200/mo
Today · 4.125%
HK$40,363
baseline
▲ 0.50% · 4.625%
HK$42,819
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,726/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,254
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,387
−HK$1,150/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,578
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,996
−HK$1,440/mo
Today · 4.125%
HK$48,436
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,872/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,379/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$2,818/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,174
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,828
−HK$1,681/mo
Today · 4.125%
HK$56,509
baseline
▲ 0.50% · 4.625%
HK$59,947
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,018/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,156
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,610/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$65,639
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,494
−HK$2,160/mo
Today · 4.125%
HK$72,654
baseline
▲ 0.50% · 4.625%
HK$77,075
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,308/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,058
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,070/mo
Today · 4.125%
HK$80,167
baseline
▲ 0.50% · 4.625%
HK$84,392
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,334/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,628 · Scale 2, in force from 26 Feb 2026)