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$38,804
−HK$1,190/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,427
+HK$2,433/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$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,867
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,139/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,455
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,428/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$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,588
−HK$1,367/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$55,746
+HK$2,791/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$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,687
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,326
−HK$1,665/mo
Today · 4.125%
HK$55,991
baseline
▲ 0.50% · 4.625%
HK$59,398
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,982/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,614
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,186
−HK$1,595/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$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,848
−HK$2,141/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$4,380/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$618,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,361
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,382
−HK$2,051/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$618,909 · Scale 2, in force from 26 Feb 2026)