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$37,626
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,189/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,418
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,858
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,139/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,556
−HK$1,426/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,230
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,367/mo
Today · 4.125%
HK$52,944
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,888/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,676
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,315
−HK$1,665/mo
Today · 4.125%
HK$55,980
baseline
▲ 0.50% · 4.625%
HK$59,386
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,960/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,602
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,174
−HK$1,594/mo
Today · 4.125%
HK$61,768
baseline
▲ 0.50% · 4.625%
HK$65,024
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,536/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,727
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$2,141/mo
Today · 4.125%
HK$71,974
baseline
▲ 0.50% · 4.625%
HK$76,353
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,948/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,345
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,366
−HK$2,050/mo
Today · 4.125%
HK$79,416
baseline
▲ 0.50% · 4.625%
HK$83,602
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,832/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,779 · Scale 2, in force from 26 Feb 2026)