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$37,973
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,200/mo
Today · 4.125%
HK$40,354
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,708/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,149/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,985
−HK$1,440/mo
Today · 4.125%
HK$48,425
baseline
▲ 0.50% · 4.625%
HK$51,372
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,850/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,694
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,053
−HK$1,380/mo
Today · 4.125%
HK$53,433
baseline
▲ 0.50% · 4.625%
HK$56,249
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,866/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,816
−HK$1,680/mo
Today · 4.125%
HK$56,496
baseline
▲ 0.50% · 4.625%
HK$59,934
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,992/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,143
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,729
−HK$1,609/mo
Today · 4.125%
HK$62,338
baseline
▲ 0.50% · 4.625%
HK$65,624
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,676/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,352
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,478
−HK$2,160/mo
Today · 4.125%
HK$72,638
baseline
▲ 0.50% · 4.625%
HK$77,058
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,276/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,041
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,080
−HK$2,069/mo
Today · 4.125%
HK$80,149
baseline
▲ 0.50% · 4.625%
HK$84,374
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,298/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,490 · Scale 2, in force from 26 Feb 2026)