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$37,623
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,189/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,139/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,147
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,426/mo
Today · 4.125%
HK$47,978
baseline
▲ 0.50% · 4.625%
HK$50,898
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,956/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,226
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,573
−HK$1,366/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$55,730
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,672
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,310
−HK$1,665/mo
Today · 4.125%
HK$55,975
baseline
▲ 0.50% · 4.625%
HK$59,381
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,950/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,597
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,595/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,018
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,721
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$2,140/mo
Today · 4.125%
HK$71,967
baseline
▲ 0.50% · 4.625%
HK$76,347
+HK$4,380/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,934/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,339
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,359
−HK$2,050/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$83,595
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,725 · Scale 2, in force from 26 Feb 2026)