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$37,612
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,782
−HK$1,189/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,403
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,966
−HK$1,138/mo
Today · 4.125%
HK$44,104
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,208/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,135
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,426/mo
Today · 4.125%
HK$47,965
baseline
▲ 0.50% · 4.625%
HK$50,884
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,930/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,212
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,559
−HK$1,366/mo
Today · 4.125%
HK$52,925
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,850/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,657
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,295
−HK$1,664/mo
Today · 4.125%
HK$55,959
baseline
▲ 0.50% · 4.625%
HK$59,364
+HK$3,405/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,918/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,581
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,594/mo
Today · 4.125%
HK$61,746
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,492/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,702
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,808
−HK$2,140/mo
Today · 4.125%
HK$71,948
baseline
▲ 0.50% · 4.625%
HK$76,326
+HK$4,378/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,896/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,318
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,338
−HK$2,049/mo
Today · 4.125%
HK$79,387
baseline
▲ 0.50% · 4.625%
HK$83,572
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,774/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,556 · Scale 2, in force from 26 Feb 2026)