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$38,031
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,201/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,443
−HK$1,151/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,637
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,443/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,132
−HK$1,381/mo
Today · 4.125%
HK$53,513
baseline
▲ 0.50% · 4.625%
HK$56,334
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,026/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,243
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,899
−HK$1,683/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,232
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,611/mo
Today · 4.125%
HK$62,432
baseline
▲ 0.50% · 4.625%
HK$65,723
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,864/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,455
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,584
−HK$2,164/mo
Today · 4.125%
HK$72,748
baseline
▲ 0.50% · 4.625%
HK$77,174
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,496/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,156
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,198
−HK$2,072/mo
Today · 4.125%
HK$80,270
baseline
▲ 0.50% · 4.625%
HK$84,501
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,540/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,434 · Scale 2, in force from 26 Feb 2026)