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$2,358/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,188/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,970
−HK$1,139/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$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,140
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,426/mo
Today · 4.125%
HK$47,970
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,919/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,940/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,564
−HK$1,367/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$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,663
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,301
−HK$1,665/mo
Today · 4.125%
HK$55,966
baseline
▲ 0.50% · 4.625%
HK$59,371
+HK$3,405/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$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,587
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,158
−HK$1,594/mo
Today · 4.125%
HK$61,752
baseline
▲ 0.50% · 4.625%
HK$65,008
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,504/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,816
−HK$2,140/mo
Today · 4.125%
HK$71,956
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$4,378/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$618,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,326
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,049/mo
Today · 4.125%
HK$79,396
baseline
▲ 0.50% · 4.625%
HK$83,581
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,792/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,623 · Scale 2, in force from 26 Feb 2026)