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$37,645
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,816
−HK$1,189/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,435/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,139/mo
Today · 4.125%
HK$44,142
baseline
▲ 0.50% · 4.625%
HK$46,469
+HK$2,327/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,284/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,174
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,428/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,255
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,603
−HK$1,367/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$55,763
+HK$2,793/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,342
−HK$1,666/mo
Today · 4.125%
HK$56,008
baseline
▲ 0.50% · 4.625%
HK$59,416
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,016/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,631
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,204
−HK$1,595/mo
Today · 4.125%
HK$61,799
baseline
▲ 0.50% · 4.625%
HK$65,056
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,598/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,761
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,868
−HK$2,142/mo
Today · 4.125%
HK$72,010
baseline
▲ 0.50% · 4.625%
HK$76,391
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,020/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,383
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,405
−HK$2,051/mo
Today · 4.125%
HK$79,456
baseline
▲ 0.50% · 4.625%
HK$83,644
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,912/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,088 · Scale 2, in force from 26 Feb 2026)