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$38,025
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,202/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,437
−HK$1,151/mo
Today · 4.125%
HK$44,588
baseline
▲ 0.50% · 4.625%
HK$46,938
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,176/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,442/mo
Today · 4.125%
HK$48,492
baseline
▲ 0.50% · 4.625%
HK$51,442
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,984/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,125
−HK$1,381/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,683/mo
Today · 4.125%
HK$56,574
baseline
▲ 0.50% · 4.625%
HK$60,016
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,148/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,224
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,812
−HK$1,611/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$65,714
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,574
−HK$2,163/mo
Today · 4.125%
HK$72,737
baseline
▲ 0.50% · 4.625%
HK$77,163
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,474/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,145
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,187
−HK$2,072/mo
Today · 4.125%
HK$80,259
baseline
▲ 0.50% · 4.625%
HK$84,489
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,518/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,344 · Scale 2, in force from 26 Feb 2026)