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$37,617
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,189/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,138/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,140
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,427/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,890
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,565
−HK$1,366/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$55,721
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,302
−HK$1,664/mo
Today · 4.125%
HK$55,966
baseline
▲ 0.50% · 4.625%
HK$59,372
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,932/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,588
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,159
−HK$1,594/mo
Today · 4.125%
HK$61,753
baseline
▲ 0.50% · 4.625%
HK$65,008
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,506/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$2,139/mo
Today · 4.125%
HK$71,956
baseline
▲ 0.50% · 4.625%
HK$76,335
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,912/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,327
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,050/mo
Today · 4.125%
HK$79,397
baseline
▲ 0.50% · 4.625%
HK$83,582
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,794/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,630 · Scale 2, in force from 26 Feb 2026)