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$2,361/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,190/mo
Today · 4.125%
HK$40,004
baseline
▲ 0.50% · 4.625%
HK$42,438
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,008/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,139/mo
Today · 4.125%
HK$44,140
baseline
▲ 0.50% · 4.625%
HK$46,467
+HK$2,327/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,280/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,172
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,577
−HK$1,427/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$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,253
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,367/mo
Today · 4.125%
HK$52,968
baseline
▲ 0.50% · 4.625%
HK$55,760
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,936/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,665/mo
Today · 4.125%
HK$56,005
baseline
▲ 0.50% · 4.625%
HK$59,413
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,010/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,629
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,201
−HK$1,595/mo
Today · 4.125%
HK$61,796
baseline
▲ 0.50% · 4.625%
HK$65,053
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,592/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,758
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,865
−HK$2,142/mo
Today · 4.125%
HK$72,007
baseline
▲ 0.50% · 4.625%
HK$76,388
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,014/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,380
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,401
−HK$2,051/mo
Today · 4.125%
HK$79,452
baseline
▲ 0.50% · 4.625%
HK$83,640
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,904/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,061 · Scale 2, in force from 26 Feb 2026)