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$37,618
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,189/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,409
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,138/mo
Today · 4.125%
HK$44,110
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,220/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,426/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,219
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,566
−HK$1,367/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$55,723
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,665
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,303
−HK$1,665/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$59,373
+HK$3,405/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,589
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,594/mo
Today · 4.125%
HK$61,755
baseline
▲ 0.50% · 4.625%
HK$65,010
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,510/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,712
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,818
−HK$2,140/mo
Today · 4.125%
HK$71,958
baseline
▲ 0.50% · 4.625%
HK$76,337
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,916/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,329
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,349
−HK$2,050/mo
Today · 4.125%
HK$79,399
baseline
▲ 0.50% · 4.625%
HK$83,584
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,798/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,646 · Scale 2, in force from 26 Feb 2026)