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$38,024
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,206
−HK$1,202/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,151/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,351/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$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,442/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,381/mo
Today · 4.125%
HK$53,504
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,008/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,233
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,889
−HK$1,682/mo
Today · 4.125%
HK$56,571
baseline
▲ 0.50% · 4.625%
HK$60,014
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,142/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,810
−HK$1,611/mo
Today · 4.125%
HK$62,421
baseline
▲ 0.50% · 4.625%
HK$65,711
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,842/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,443
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,572
−HK$2,163/mo
Today · 4.125%
HK$72,735
baseline
▲ 0.50% · 4.625%
HK$77,160
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,470/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,142
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,184
−HK$2,071/mo
Today · 4.125%
HK$80,255
baseline
▲ 0.50% · 4.625%
HK$84,486
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,319 · Scale 2, in force from 26 Feb 2026)