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$38,036
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,219
−HK$1,202/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,314
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,152/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$46,952
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,202/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,063
−HK$1,442/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,457
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,382/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,342
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,906
−HK$1,683/mo
Today · 4.125%
HK$56,589
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,444/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$113,178/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,240
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,612/mo
Today · 4.125%
HK$62,441
baseline
▲ 0.50% · 4.625%
HK$65,732
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,882/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,464
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,594
−HK$2,164/mo
Today · 4.125%
HK$72,758
baseline
▲ 0.50% · 4.625%
HK$77,185
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,516/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,166
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,209
−HK$2,072/mo
Today · 4.125%
HK$80,281
baseline
▲ 0.50% · 4.625%
HK$84,513
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,562/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,519 · Scale 2, in force from 26 Feb 2026)