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$37,605
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,189/mo
Today · 4.125%
HK$39,964
baseline
▲ 0.50% · 4.625%
HK$42,395
+HK$2,431/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,928/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,836
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,958
−HK$1,138/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,324/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,426/mo
Today · 4.125%
HK$47,956
baseline
▲ 0.50% · 4.625%
HK$50,874
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,912/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,203
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,549
−HK$1,366/mo
Today · 4.125%
HK$52,915
baseline
▲ 0.50% · 4.625%
HK$55,704
+HK$2,789/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,830/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,648
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,664/mo
Today · 4.125%
HK$55,949
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,898/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,570
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,593/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,254/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,690
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,795
−HK$2,139/mo
Today · 4.125%
HK$71,934
baseline
▲ 0.50% · 4.625%
HK$76,312
+HK$4,378/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,868/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,304
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,324
−HK$2,049/mo
Today · 4.125%
HK$79,373
baseline
▲ 0.50% · 4.625%
HK$83,556
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,746/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,441 · Scale 2, in force from 26 Feb 2026)