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$37,620
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,189/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,852
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,975
−HK$1,139/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,439
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,426/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,366/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,664/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,594/mo
Today · 4.125%
HK$61,759
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,518/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,717
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,823
−HK$2,140/mo
Today · 4.125%
HK$71,963
baseline
▲ 0.50% · 4.625%
HK$76,342
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,926/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,334
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,355
−HK$2,049/mo
Today · 4.125%
HK$79,404
baseline
▲ 0.50% · 4.625%
HK$83,590
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,808/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,688 · Scale 2, in force from 26 Feb 2026)