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$37,629
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,189/mo
Today · 4.125%
HK$39,988
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,976/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,862
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,984
−HK$1,139/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,154
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,427/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,234
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,367/mo
Today · 4.125%
HK$52,948
baseline
▲ 0.50% · 4.625%
HK$55,739
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,896/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,680
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,665/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$59,390
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,606
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,595/mo
Today · 4.125%
HK$61,773
baseline
▲ 0.50% · 4.625%
HK$65,029
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,546/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,732
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,839
−HK$2,140/mo
Today · 4.125%
HK$71,979
baseline
▲ 0.50% · 4.625%
HK$76,359
+HK$4,380/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,958/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,351
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,372
−HK$2,050/mo
Today · 4.125%
HK$79,422
baseline
▲ 0.50% · 4.625%
HK$83,608
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,844/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,824 · Scale 2, in force from 26 Feb 2026)