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$37,622
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,189/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,139/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,441
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,147
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,551
−HK$1,427/mo
Today · 4.125%
HK$47,978
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,956/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,225
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,367/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$55,729
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,671
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,310
−HK$1,664/mo
Today · 4.125%
HK$55,974
baseline
▲ 0.50% · 4.625%
HK$59,380
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,948/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,596
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,594/mo
Today · 4.125%
HK$61,762
baseline
▲ 0.50% · 4.625%
HK$65,018
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,524/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,720
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$2,140/mo
Today · 4.125%
HK$71,967
baseline
▲ 0.50% · 4.625%
HK$76,346
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,934/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,338
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,359
−HK$2,049/mo
Today · 4.125%
HK$79,408
baseline
▲ 0.50% · 4.625%
HK$83,594
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,816/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,720 · Scale 2, in force from 26 Feb 2026)