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$37,633
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,190/mo
Today · 4.125%
HK$39,993
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,986/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,139/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,159
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,427/mo
Today · 4.125%
HK$47,991
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,982/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,239
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,367/mo
Today · 4.125%
HK$52,954
baseline
▲ 0.50% · 4.625%
HK$55,745
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,908/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,686
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,665/mo
Today · 4.125%
HK$55,990
baseline
▲ 0.50% · 4.625%
HK$59,397
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,980/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,594/mo
Today · 4.125%
HK$61,779
baseline
▲ 0.50% · 4.625%
HK$65,036
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,558/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$2,141/mo
Today · 4.125%
HK$71,987
baseline
▲ 0.50% · 4.625%
HK$76,367
+HK$4,380/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,974/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,359
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,051/mo
Today · 4.125%
HK$79,431
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,862/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,893 · Scale 2, in force from 26 Feb 2026)