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$38,013
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,195
−HK$1,202/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,855
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,151/mo
Today · 4.125%
HK$44,574
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,349/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,148/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,034
−HK$1,442/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,747
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,108
−HK$1,380/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,308
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,218
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,873
−HK$1,682/mo
Today · 4.125%
HK$56,555
baseline
▲ 0.50% · 4.625%
HK$59,996
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,110/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,204
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,792
−HK$1,611/mo
Today · 4.125%
HK$62,403
baseline
▲ 0.50% · 4.625%
HK$65,692
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,806/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,423
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,551
−HK$2,163/mo
Today · 4.125%
HK$72,714
baseline
▲ 0.50% · 4.625%
HK$77,138
+HK$4,424/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,428/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,120
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,161
−HK$2,071/mo
Today · 4.125%
HK$80,232
baseline
▲ 0.50% · 4.625%
HK$84,462
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,141 · Scale 2, in force from 26 Feb 2026)