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$37,644
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,190/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,439
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,002
−HK$1,139/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,327/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,173
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,578
−HK$1,428/mo
Today · 4.125%
HK$48,006
baseline
▲ 0.50% · 4.625%
HK$50,927
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,012/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,255
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,602
−HK$1,368/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$55,762
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,702
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,341
−HK$1,666/mo
Today · 4.125%
HK$56,007
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,014/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,203
−HK$1,595/mo
Today · 4.125%
HK$61,798
baseline
▲ 0.50% · 4.625%
HK$65,055
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,596/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,760
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,867
−HK$2,142/mo
Today · 4.125%
HK$72,009
baseline
▲ 0.50% · 4.625%
HK$76,390
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,018/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,382
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,404
−HK$2,051/mo
Today · 4.125%
HK$79,455
baseline
▲ 0.50% · 4.625%
HK$83,643
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,910/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,080 · Scale 2, in force from 26 Feb 2026)