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$37,993
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,200/mo
Today · 4.125%
HK$40,375
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,750/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,267
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,150/mo
Today · 4.125%
HK$44,550
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,100/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,591
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,440/mo
Today · 4.125%
HK$48,450
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,948/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$96,900/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,720
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,380/mo
Today · 4.125%
HK$53,460
baseline
▲ 0.50% · 4.625%
HK$56,278
+HK$2,818/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$106,920/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,190
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,844
−HK$1,681/mo
Today · 4.125%
HK$56,525
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,050/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,173
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,610/mo
Today · 4.125%
HK$62,370
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,740/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,387
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,514
−HK$2,162/mo
Today · 4.125%
HK$72,676
baseline
▲ 0.50% · 4.625%
HK$77,098
+HK$4,422/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,352/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,080
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,120
−HK$2,070/mo
Today · 4.125%
HK$80,190
baseline
▲ 0.50% · 4.625%
HK$84,417
+HK$4,227/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,380/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,812 · Scale 2, in force from 26 Feb 2026)