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$38,017
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,201/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,150/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,620
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,039
−HK$1,442/mo
Today · 4.125%
HK$48,481
baseline
▲ 0.50% · 4.625%
HK$51,431
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,962/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,752
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,113
−HK$1,381/mo
Today · 4.125%
HK$53,494
baseline
▲ 0.50% · 4.625%
HK$56,314
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,988/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,224
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,879
−HK$1,682/mo
Today · 4.125%
HK$56,561
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,122/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,211
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,799
−HK$1,611/mo
Today · 4.125%
HK$62,410
baseline
▲ 0.50% · 4.625%
HK$65,700
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,820/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,431
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,559
−HK$2,163/mo
Today · 4.125%
HK$72,722
baseline
▲ 0.50% · 4.625%
HK$77,147
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,444/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,128
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,170
−HK$2,071/mo
Today · 4.125%
HK$80,241
baseline
▲ 0.50% · 4.625%
HK$84,471
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,482/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,209 · Scale 2, in force from 26 Feb 2026)