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$38,014
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,201/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,856
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,291
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,425
−HK$1,150/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$46,925
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,442/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,428
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,749
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,110
−HK$1,381/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,310
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,220
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,876
−HK$1,681/mo
Today · 4.125%
HK$56,557
baseline
▲ 0.50% · 4.625%
HK$59,999
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,114/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,207
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,795
−HK$1,611/mo
Today · 4.125%
HK$62,406
baseline
▲ 0.50% · 4.625%
HK$65,695
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,812/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,426
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,554
−HK$2,163/mo
Today · 4.125%
HK$72,717
baseline
▲ 0.50% · 4.625%
HK$77,141
+HK$4,424/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,434/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,123
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,165
−HK$2,071/mo
Today · 4.125%
HK$80,236
baseline
▲ 0.50% · 4.625%
HK$84,465
+HK$4,229/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,472/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,167 · Scale 2, in force from 26 Feb 2026)