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$37,978
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,200/mo
Today · 4.125%
HK$40,360
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,720/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,149/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,440/mo
Today · 4.125%
HK$48,432
baseline
▲ 0.50% · 4.625%
HK$51,379
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,864/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,701
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,380/mo
Today · 4.125%
HK$53,440
baseline
▲ 0.50% · 4.625%
HK$56,257
+HK$2,817/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,880/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,170
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,681/mo
Today · 4.125%
HK$56,504
baseline
▲ 0.50% · 4.625%
HK$59,942
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,008/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,151
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,737
−HK$1,609/mo
Today · 4.125%
HK$62,346
baseline
▲ 0.50% · 4.625%
HK$65,633
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,692/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,361
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$2,161/mo
Today · 4.125%
HK$72,648
baseline
▲ 0.50% · 4.625%
HK$77,068
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,296/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,051
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,090
−HK$2,070/mo
Today · 4.125%
HK$80,160
baseline
▲ 0.50% · 4.625%
HK$84,385
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,320/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,573 · Scale 2, in force from 26 Feb 2026)