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$37,618
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,188/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,138/mo
Today · 4.125%
HK$44,111
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,222/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,142
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,427/mo
Today · 4.125%
HK$47,973
baseline
▲ 0.50% · 4.625%
HK$50,892
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,946/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,220
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,567
−HK$1,366/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$55,724
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,666
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,664/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$59,374
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,590
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,162
−HK$1,594/mo
Today · 4.125%
HK$61,756
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,512/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,713
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,819
−HK$2,140/mo
Today · 4.125%
HK$71,959
baseline
▲ 0.50% · 4.625%
HK$76,338
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,918/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,330
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,351
−HK$2,049/mo
Today · 4.125%
HK$79,400
baseline
▲ 0.50% · 4.625%
HK$83,585
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,800/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,655 · Scale 2, in force from 26 Feb 2026)