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$37,603
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,773
−HK$1,188/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,393
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,833
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,955
−HK$1,138/mo
Today · 4.125%
HK$44,093
baseline
▲ 0.50% · 4.625%
HK$46,417
+HK$2,324/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,186/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,527
−HK$1,426/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,871
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,200
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,546
−HK$1,366/mo
Today · 4.125%
HK$52,912
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,824/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,644
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,282
−HK$1,664/mo
Today · 4.125%
HK$55,946
baseline
▲ 0.50% · 4.625%
HK$59,350
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,892/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,137
−HK$1,594/mo
Today · 4.125%
HK$61,731
baseline
▲ 0.50% · 4.625%
HK$64,984
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,462/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,686
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,791
−HK$2,139/mo
Today · 4.125%
HK$71,930
baseline
▲ 0.50% · 4.625%
HK$76,307
+HK$4,377/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,860/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,300
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,319
−HK$2,049/mo
Today · 4.125%
HK$79,368
baseline
▲ 0.50% · 4.625%
HK$83,551
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,736/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,404 · Scale 2, in force from 26 Feb 2026)