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$38,023
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,206
−HK$1,201/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,300
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,151/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,172/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,760
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,232
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,888
−HK$1,682/mo
Today · 4.125%
HK$56,570
baseline
▲ 0.50% · 4.625%
HK$60,012
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,140/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,220
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,809
−HK$1,611/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$65,710
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,441
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,570
−HK$2,163/mo
Today · 4.125%
HK$72,733
baseline
▲ 0.50% · 4.625%
HK$77,159
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,466/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,140
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,182
−HK$2,072/mo
Today · 4.125%
HK$80,254
baseline
▲ 0.50% · 4.625%
HK$84,484
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,508/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,308 · Scale 2, in force from 26 Feb 2026)