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$37,631
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,189/mo
Today · 4.125%
HK$39,990
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,980/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,986
−HK$1,139/mo
Today · 4.125%
HK$44,125
baseline
▲ 0.50% · 4.625%
HK$46,451
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,250/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,427/mo
Today · 4.125%
HK$47,988
baseline
▲ 0.50% · 4.625%
HK$50,908
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,976/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,236
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,366/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,664/mo
Today · 4.125%
HK$55,986
baseline
▲ 0.50% · 4.625%
HK$59,393
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,972/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,609
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,181
−HK$1,595/mo
Today · 4.125%
HK$61,776
baseline
▲ 0.50% · 4.625%
HK$65,032
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,552/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,735
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,842
−HK$2,141/mo
Today · 4.125%
HK$71,983
baseline
▲ 0.50% · 4.625%
HK$76,363
+HK$4,380/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,966/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,355
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,376
−HK$2,050/mo
Today · 4.125%
HK$79,426
baseline
▲ 0.50% · 4.625%
HK$83,612
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,852/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,855 · Scale 2, in force from 26 Feb 2026)