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$37,971
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,152
−HK$1,200/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,807
+HK$2,455/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,149/mo
Today · 4.125%
HK$44,524
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,048/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,565
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,982
−HK$1,440/mo
Today · 4.125%
HK$48,422
baseline
▲ 0.50% · 4.625%
HK$51,369
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,844/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,050
−HK$1,379/mo
Today · 4.125%
HK$53,429
baseline
▲ 0.50% · 4.625%
HK$56,246
+HK$2,817/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,858/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,159
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,813
−HK$1,680/mo
Today · 4.125%
HK$56,493
baseline
▲ 0.50% · 4.625%
HK$59,930
+HK$3,437/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,986/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,139
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,725
−HK$1,609/mo
Today · 4.125%
HK$62,334
baseline
▲ 0.50% · 4.625%
HK$65,620
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,668/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,474
−HK$2,160/mo
Today · 4.125%
HK$72,634
baseline
▲ 0.50% · 4.625%
HK$77,053
+HK$4,419/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,268/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,075
−HK$2,069/mo
Today · 4.125%
HK$80,144
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,288/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,452 · Scale 2, in force from 26 Feb 2026)