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$37,647
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,190/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,140/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,327/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,427/mo
Today · 4.125%
HK$48,009
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,922/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,018/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,258
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,368/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,666/mo
Today · 4.125%
HK$56,011
baseline
▲ 0.50% · 4.625%
HK$59,419
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,022/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,635
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,207
−HK$1,595/mo
Today · 4.125%
HK$61,802
baseline
▲ 0.50% · 4.625%
HK$65,060
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,604/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,765
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,872
−HK$2,142/mo
Today · 4.125%
HK$72,014
baseline
▲ 0.50% · 4.625%
HK$76,396
+HK$4,382/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,028/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,387
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,409
−HK$2,051/mo
Today · 4.125%
HK$79,460
baseline
▲ 0.50% · 4.625%
HK$83,649
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,920/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,125 · Scale 2, in force from 26 Feb 2026)