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$37,621
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,189/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,413
+HK$2,433/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,853
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,138/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,550
−HK$1,426/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,920/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,224
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,571
−HK$1,366/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,664/mo
Today · 4.125%
HK$55,972
baseline
▲ 0.50% · 4.625%
HK$59,378
+HK$3,406/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,944/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,594
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,594/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,015
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,718
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,824
−HK$2,140/mo
Today · 4.125%
HK$71,964
baseline
▲ 0.50% · 4.625%
HK$76,343
+HK$4,379/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,928/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,335
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,356
−HK$2,050/mo
Today · 4.125%
HK$79,406
baseline
▲ 0.50% · 4.625%
HK$83,591
+HK$4,185/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,812/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,698 · Scale 2, in force from 26 Feb 2026)