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$38,028
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,211
−HK$1,202/mo
Today · 4.125%
HK$40,413
baseline
▲ 0.50% · 4.625%
HK$42,872
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,826/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,306
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,151/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$46,942
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,634
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,053
−HK$1,443/mo
Today · 4.125%
HK$48,496
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,992/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,767
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,129
−HK$1,381/mo
Today · 4.125%
HK$53,510
baseline
▲ 0.50% · 4.625%
HK$56,331
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,020/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,240
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,896
−HK$1,682/mo
Today · 4.125%
HK$56,578
baseline
▲ 0.50% · 4.625%
HK$60,021
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,156/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,229
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,817
−HK$1,611/mo
Today · 4.125%
HK$62,428
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,856/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,451
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,580
−HK$2,163/mo
Today · 4.125%
HK$72,743
baseline
▲ 0.50% · 4.625%
HK$77,170
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,486/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,151
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,193
−HK$2,072/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$84,496
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,395 · Scale 2, in force from 26 Feb 2026)