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$38,039
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,222
−HK$1,202/mo
Today · 4.125%
HK$40,424
baseline
▲ 0.50% · 4.625%
HK$42,884
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,848/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,151/mo
Today · 4.125%
HK$44,604
baseline
▲ 0.50% · 4.625%
HK$46,955
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,208/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,647
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,443/mo
Today · 4.125%
HK$48,509
baseline
▲ 0.50% · 4.625%
HK$51,461
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,018/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,143
−HK$1,382/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,254
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,911
−HK$1,683/mo
Today · 4.125%
HK$56,594
baseline
▲ 0.50% · 4.625%
HK$60,037
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$113,188/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,245
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,834
−HK$1,612/mo
Today · 4.125%
HK$62,446
baseline
▲ 0.50% · 4.625%
HK$65,737
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,892/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,470
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$2,164/mo
Today · 4.125%
HK$72,764
baseline
▲ 0.50% · 4.625%
HK$77,191
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,528/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,072/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$84,519
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,569 · Scale 2, in force from 26 Feb 2026)