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$37,643
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,190/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,877
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,139/mo
Today · 4.125%
HK$44,139
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,327/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,278/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,171
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,576
−HK$1,428/mo
Today · 4.125%
HK$48,004
baseline
▲ 0.50% · 4.625%
HK$50,925
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$96,008/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,252
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,367/mo
Today · 4.125%
HK$52,967
baseline
▲ 0.50% · 4.625%
HK$55,759
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,934/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,339
−HK$1,665/mo
Today · 4.125%
HK$56,004
baseline
▲ 0.50% · 4.625%
HK$59,412
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,008/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,628
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,200
−HK$1,595/mo
Today · 4.125%
HK$61,795
baseline
▲ 0.50% · 4.625%
HK$65,053
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,590/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,757
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,864
−HK$2,142/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$76,387
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,379
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,400
−HK$2,051/mo
Today · 4.125%
HK$79,451
baseline
▲ 0.50% · 4.625%
HK$83,639
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,902/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,052 · Scale 2, in force from 26 Feb 2026)