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$37,636
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,190/mo
Today · 4.125%
HK$39,996
baseline
▲ 0.50% · 4.625%
HK$42,429
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,992/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,869
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,992
−HK$1,139/mo
Today · 4.125%
HK$44,131
baseline
▲ 0.50% · 4.625%
HK$46,457
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,262/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,163
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,567
−HK$1,428/mo
Today · 4.125%
HK$47,995
baseline
▲ 0.50% · 4.625%
HK$50,915
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,990/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,243
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,590
−HK$1,367/mo
Today · 4.125%
HK$52,957
baseline
▲ 0.50% · 4.625%
HK$55,749
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,914/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,690
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,329
−HK$1,665/mo
Today · 4.125%
HK$55,994
baseline
▲ 0.50% · 4.625%
HK$59,401
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,988/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,617
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,595/mo
Today · 4.125%
HK$61,784
baseline
▲ 0.50% · 4.625%
HK$65,040
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,568/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,744
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,851
−HK$2,141/mo
Today · 4.125%
HK$71,992
baseline
▲ 0.50% · 4.625%
HK$76,373
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,984/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,365
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,386
−HK$2,050/mo
Today · 4.125%
HK$79,436
baseline
▲ 0.50% · 4.625%
HK$83,623
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,872/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,937 · Scale 2, in force from 26 Feb 2026)