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$37,637
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,190/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,431
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,140/mo
Today · 4.125%
HK$44,133
baseline
▲ 0.50% · 4.625%
HK$46,459
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,266/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,164
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,427/mo
Today · 4.125%
HK$47,996
baseline
▲ 0.50% · 4.625%
HK$50,917
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,992/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,244
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,367/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$55,751
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,691
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,666/mo
Today · 4.125%
HK$55,996
baseline
▲ 0.50% · 4.625%
HK$59,403
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,992/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,619
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,191
−HK$1,595/mo
Today · 4.125%
HK$61,786
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,572/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,746
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$2,141/mo
Today · 4.125%
HK$71,994
baseline
▲ 0.50% · 4.625%
HK$76,375
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,988/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,367
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,051/mo
Today · 4.125%
HK$79,439
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,878/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,955 · Scale 2, in force from 26 Feb 2026)