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$37,625
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,795
−HK$1,189/mo
Today · 4.125%
HK$39,984
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,968/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,857
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,139/mo
Today · 4.125%
HK$44,118
baseline
▲ 0.50% · 4.625%
HK$46,444
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,236/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,554
−HK$1,427/mo
Today · 4.125%
HK$47,981
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,962/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,228
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,575
−HK$1,367/mo
Today · 4.125%
HK$52,942
baseline
▲ 0.50% · 4.625%
HK$55,733
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,884/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,674
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,313
−HK$1,664/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$59,384
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,600
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,171
−HK$1,595/mo
Today · 4.125%
HK$61,766
baseline
▲ 0.50% · 4.625%
HK$65,021
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,532/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,724
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,831
−HK$2,140/mo
Today · 4.125%
HK$71,971
baseline
▲ 0.50% · 4.625%
HK$76,350
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,942/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,342
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,363
−HK$2,050/mo
Today · 4.125%
HK$79,413
baseline
▲ 0.50% · 4.625%
HK$83,599
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,826/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,755 · Scale 2, in force from 26 Feb 2026)