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$37,624
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,189/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,416
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,138/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,443
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,553
−HK$1,427/mo
Today · 4.125%
HK$47,980
baseline
▲ 0.50% · 4.625%
HK$50,899
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,960/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,227
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,574
−HK$1,367/mo
Today · 4.125%
HK$52,941
baseline
▲ 0.50% · 4.625%
HK$55,731
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,882/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,673
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,312
−HK$1,664/mo
Today · 4.125%
HK$55,976
baseline
▲ 0.50% · 4.625%
HK$59,382
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,952/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,598
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,594/mo
Today · 4.125%
HK$61,764
baseline
▲ 0.50% · 4.625%
HK$65,020
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,528/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,723
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,829
−HK$2,141/mo
Today · 4.125%
HK$71,970
baseline
▲ 0.50% · 4.625%
HK$76,349
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,940/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,341
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,361
−HK$2,050/mo
Today · 4.125%
HK$79,411
baseline
▲ 0.50% · 4.625%
HK$83,597
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,822/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,743 · Scale 2, in force from 26 Feb 2026)