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$37,999
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,200/mo
Today · 4.125%
HK$40,381
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,762/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,150/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,441/mo
Today · 4.125%
HK$48,458
baseline
▲ 0.50% · 4.625%
HK$51,406
+HK$2,948/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,916/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,088
−HK$1,380/mo
Today · 4.125%
HK$53,468
baseline
▲ 0.50% · 4.625%
HK$56,287
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,936/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,198
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,853
−HK$1,681/mo
Today · 4.125%
HK$56,534
baseline
▲ 0.50% · 4.625%
HK$59,974
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,068/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,182
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,769
−HK$1,611/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$65,668
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,397
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,525
−HK$2,162/mo
Today · 4.125%
HK$72,687
baseline
▲ 0.50% · 4.625%
HK$77,109
+HK$4,422/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,374/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,091
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,132
−HK$2,070/mo
Today · 4.125%
HK$80,202
baseline
▲ 0.50% · 4.625%
HK$84,430
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,404/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,907 · Scale 2, in force from 26 Feb 2026)