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$37,607
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,188/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,959
−HK$1,139/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,324/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,532
−HK$1,426/mo
Today · 4.125%
HK$47,958
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,916/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,551
−HK$1,366/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$55,707
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,650
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,287
−HK$1,664/mo
Today · 4.125%
HK$55,951
baseline
▲ 0.50% · 4.625%
HK$59,356
+HK$3,405/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,902/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,143
−HK$1,594/mo
Today · 4.125%
HK$61,737
baseline
▲ 0.50% · 4.625%
HK$64,991
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,474/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,693
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,798
−HK$2,139/mo
Today · 4.125%
HK$71,937
baseline
▲ 0.50% · 4.625%
HK$76,315
+HK$4,378/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,874/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,307
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,327
−HK$2,049/mo
Today · 4.125%
HK$79,376
baseline
▲ 0.50% · 4.625%
HK$83,560
+HK$4,184/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,752/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,466 · Scale 2, in force from 26 Feb 2026)