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$37,627
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,797
−HK$1,190/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,139/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,447
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,427/mo
Today · 4.125%
HK$47,984
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,968/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,232
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,367/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$55,736
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,678
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,665/mo
Today · 4.125%
HK$55,981
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,962/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,604
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,175
−HK$1,595/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,026
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,729
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$2,141/mo
Today · 4.125%
HK$71,976
baseline
▲ 0.50% · 4.625%
HK$76,355
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,952/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,348
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,368
−HK$2,050/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$83,605
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,797 · Scale 2, in force from 26 Feb 2026)