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$37,602
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,188/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,431/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,954
−HK$1,138/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,416
+HK$2,324/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,426/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,870
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,198
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,545
−HK$1,365/mo
Today · 4.125%
HK$52,910
baseline
▲ 0.50% · 4.625%
HK$55,699
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.89M · min. income ≈ HK$105,820/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,643
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,280
−HK$1,664/mo
Today · 4.125%
HK$55,944
baseline
▲ 0.50% · 4.625%
HK$59,348
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,888/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,565
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,135
−HK$1,594/mo
Today · 4.125%
HK$61,729
baseline
▲ 0.50% · 4.625%
HK$64,982
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,458/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,684
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$2,139/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$4,377/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,297
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,317
−HK$2,048/mo
Today · 4.125%
HK$79,365
baseline
▲ 0.50% · 4.625%
HK$83,549
+HK$4,184/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,730/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,385 · Scale 2, in force from 26 Feb 2026)