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$38,009
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,191
−HK$1,201/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,850
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,151/mo
Today · 4.125%
HK$44,569
baseline
▲ 0.50% · 4.625%
HK$46,918
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,138/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,441/mo
Today · 4.125%
HK$48,470
baseline
▲ 0.50% · 4.625%
HK$51,420
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,940/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,741
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,102
−HK$1,380/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,682/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,990
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,611/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,415
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,543
−HK$2,163/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$77,130
+HK$4,424/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,111
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,153
−HK$2,070/mo
Today · 4.125%
HK$80,223
baseline
▲ 0.50% · 4.625%
HK$84,452
+HK$4,229/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,446/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,071 · Scale 2, in force from 26 Feb 2026)