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$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,201/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,150/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,440/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,948/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,379/mo
Today · 4.125%
HK$53,450
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$2,818/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$106,900/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,180
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,834
−HK$1,681/mo
Today · 4.125%
HK$56,515
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,439/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,030/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,749
−HK$1,610/mo
Today · 4.125%
HK$62,359
baseline
▲ 0.50% · 4.625%
HK$65,646
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,718/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,374
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,501
−HK$2,161/mo
Today · 4.125%
HK$72,662
baseline
▲ 0.50% · 4.625%
HK$77,083
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,324/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,066
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,106
−HK$2,069/mo
Today · 4.125%
HK$80,175
baseline
▲ 0.50% · 4.625%
HK$84,402
+HK$4,227/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,350/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,696 · Scale 2, in force from 26 Feb 2026)