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$37,606
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,189/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,396
+HK$2,431/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,959
−HK$1,138/mo
Today · 4.125%
HK$44,097
baseline
▲ 0.50% · 4.625%
HK$46,421
+HK$2,324/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,194/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,531
−HK$1,426/mo
Today · 4.125%
HK$47,957
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,914/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,204
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,550
−HK$1,366/mo
Today · 4.125%
HK$52,916
baseline
▲ 0.50% · 4.625%
HK$55,706
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,832/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,649
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,287
−HK$1,663/mo
Today · 4.125%
HK$55,950
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$3,405/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,900/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,571
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,142
−HK$1,594/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$64,990
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,691
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,797
−HK$2,139/mo
Today · 4.125%
HK$71,936
baseline
▲ 0.50% · 4.625%
HK$76,313
+HK$4,377/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,872/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,306
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,326
−HK$2,049/mo
Today · 4.125%
HK$79,375
baseline
▲ 0.50% · 4.625%
HK$83,558
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,750/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,456 · Scale 2, in force from 26 Feb 2026)