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$37,634
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,189/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,428
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,140/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,427/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,366/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$55,747
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,688
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,327
−HK$1,665/mo
Today · 4.125%
HK$55,992
baseline
▲ 0.50% · 4.625%
HK$59,399
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,984/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,615
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,594/mo
Today · 4.125%
HK$61,781
baseline
▲ 0.50% · 4.625%
HK$65,038
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,562/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,849
−HK$2,140/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$76,370
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,978/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,362
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,383
−HK$2,050/mo
Today · 4.125%
HK$79,433
baseline
▲ 0.50% · 4.625%
HK$83,620
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,866/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,913 · Scale 2, in force from 26 Feb 2026)