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$38,024
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,202/mo
Today · 4.125%
HK$40,409
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,818/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,302
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,436
−HK$1,151/mo
Today · 4.125%
HK$44,587
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,174/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,629
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,442/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,762
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,381/mo
Today · 4.125%
HK$53,504
baseline
▲ 0.50% · 4.625%
HK$56,325
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,008/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,234
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,890
−HK$1,682/mo
Today · 4.125%
HK$56,572
baseline
▲ 0.50% · 4.625%
HK$60,014
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,144/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,222
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,810
−HK$1,612/mo
Today · 4.125%
HK$62,422
baseline
▲ 0.50% · 4.625%
HK$65,712
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,844/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,572
−HK$2,164/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,143
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,185
−HK$2,071/mo
Today · 4.125%
HK$80,256
baseline
▲ 0.50% · 4.625%
HK$84,487
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,512/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,328 · Scale 2, in force from 26 Feb 2026)