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$37,631
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,190/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,139/mo
Today · 4.125%
HK$44,126
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,252/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,562
−HK$1,427/mo
Today · 4.125%
HK$47,989
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,978/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,237
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,367/mo
Today · 4.125%
HK$52,951
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$2,791/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,902/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,665/mo
Today · 4.125%
HK$55,987
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,974/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,610
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,594/mo
Today · 4.125%
HK$61,776
baseline
▲ 0.50% · 4.625%
HK$65,032
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,552/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,736
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,843
−HK$2,140/mo
Today · 4.125%
HK$71,983
baseline
▲ 0.50% · 4.625%
HK$76,363
+HK$4,380/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,966/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,355
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,376
−HK$2,051/mo
Today · 4.125%
HK$79,427
baseline
▲ 0.50% · 4.625%
HK$83,613
+HK$4,186/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,854/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,861 · Scale 2, in force from 26 Feb 2026)