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$38,031
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,202/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,151/mo
Today · 4.125%
HK$44,595
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,190/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,637
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,442/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,771
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,381/mo
Today · 4.125%
HK$53,514
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,028/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,243
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,900
−HK$1,682/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,233
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,612/mo
Today · 4.125%
HK$62,433
baseline
▲ 0.50% · 4.625%
HK$65,724
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,866/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,456
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,585
−HK$2,164/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$77,175
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,156
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,199
−HK$2,072/mo
Today · 4.125%
HK$80,271
baseline
▲ 0.50% · 4.625%
HK$84,502
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,542/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,440 · Scale 2, in force from 26 Feb 2026)