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$38,020
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,201/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,863
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,297
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,151/mo
Today · 4.125%
HK$44,582
baseline
▲ 0.50% · 4.625%
HK$46,932
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,164/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,624
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,043
−HK$1,442/mo
Today · 4.125%
HK$48,485
baseline
▲ 0.50% · 4.625%
HK$51,435
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,970/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,756
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,381/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,682/mo
Today · 4.125%
HK$56,566
baseline
▲ 0.50% · 4.625%
HK$60,008
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,132/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,216
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,804
−HK$1,611/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$65,705
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,436
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,565
−HK$2,163/mo
Today · 4.125%
HK$72,728
baseline
▲ 0.50% · 4.625%
HK$77,153
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,456/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,135
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,177
−HK$2,071/mo
Today · 4.125%
HK$80,248
baseline
▲ 0.50% · 4.625%
HK$84,478
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,496/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,262 · Scale 2, in force from 26 Feb 2026)