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$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,168
−HK$1,200/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,149/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,441/mo
Today · 4.125%
HK$48,442
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,947/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$96,884/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,380/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$2,817/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,835
−HK$1,681/mo
Today · 4.125%
HK$56,516
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,032/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,163
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,750
−HK$1,609/mo
Today · 4.125%
HK$62,359
baseline
▲ 0.50% · 4.625%
HK$65,646
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,718/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,375
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,502
−HK$2,161/mo
Today · 4.125%
HK$72,663
baseline
▲ 0.50% · 4.625%
HK$77,084
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,326/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,067
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,107
−HK$2,069/mo
Today · 4.125%
HK$80,176
baseline
▲ 0.50% · 4.625%
HK$84,402
+HK$4,226/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,352/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,703 · Scale 2, in force from 26 Feb 2026)