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$38,779
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,225/mo
Today · 4.125%
HK$41,210
baseline
▲ 0.50% · 4.625%
HK$43,718
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,420/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,141
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,298
−HK$1,174/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,471/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$3,009/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,409/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,290
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,716/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$61,205
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,397
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,017
−HK$1,643/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,016
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,802
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,973
−HK$2,206/mo
Today · 4.125%
HK$74,179
baseline
▲ 0.50% · 4.625%
HK$78,692
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,358/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,654
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,736
−HK$2,113/mo
Today · 4.125%
HK$81,849
baseline
▲ 0.50% · 4.625%
HK$86,163
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,698/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,736 · Scale 2, in force from 26 Feb 2026)