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$37,638
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,190/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,871
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$42,994
−HK$1,140/mo
Today · 4.125%
HK$44,134
baseline
▲ 0.50% · 4.625%
HK$46,460
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,268/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,427/mo
Today · 4.125%
HK$47,997
baseline
▲ 0.50% · 4.625%
HK$50,918
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,994/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,246
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,367/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$55,752
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,693
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,332
−HK$1,665/mo
Today · 4.125%
HK$55,997
baseline
▲ 0.50% · 4.625%
HK$59,404
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,994/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,620
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,192
−HK$1,595/mo
Today · 4.125%
HK$61,787
baseline
▲ 0.50% · 4.625%
HK$65,044
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,574/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,748
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,855
−HK$2,141/mo
Today · 4.125%
HK$71,996
baseline
▲ 0.50% · 4.625%
HK$76,377
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$143,992/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,369
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,390
−HK$2,051/mo
Today · 4.125%
HK$79,441
baseline
▲ 0.50% · 4.625%
HK$83,628
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,882/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,970 · Scale 2, in force from 26 Feb 2026)