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$37,610
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,780
−HK$1,188/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,432/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,840
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,138/mo
Today · 4.125%
HK$44,101
baseline
▲ 0.50% · 4.625%
HK$46,426
+HK$2,325/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,202/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,132
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,536
−HK$1,426/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,880
+HK$2,918/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,366/mo
Today · 4.125%
HK$52,921
baseline
▲ 0.50% · 4.625%
HK$55,711
+HK$2,790/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,842/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,654
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,292
−HK$1,664/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$59,360
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,577
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,148
−HK$1,593/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$64,996
+HK$3,255/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,698
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$2,140/mo
Today · 4.125%
HK$71,943
baseline
▲ 0.50% · 4.625%
HK$76,320
+HK$4,377/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,886/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,313
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,333
−HK$2,049/mo
Today · 4.125%
HK$79,382
baseline
▲ 0.50% · 4.625%
HK$83,566
+HK$4,184/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,764/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,513 · Scale 2, in force from 26 Feb 2026)