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$38,748
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,225/mo
Today · 4.125%
HK$41,178
baseline
▲ 0.50% · 4.625%
HK$43,683
+HK$2,505/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,356/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,106
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,263
−HK$1,172/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$47,830
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,497
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,944
−HK$1,469/mo
Today · 4.125%
HK$49,413
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,826/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,728
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,407/mo
Today · 4.125%
HK$54,522
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,044/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,247
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,934
−HK$1,715/mo
Today · 4.125%
HK$57,649
baseline
▲ 0.50% · 4.625%
HK$61,156
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,298/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,349
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,968
−HK$1,641/mo
Today · 4.125%
HK$63,609
baseline
▲ 0.50% · 4.625%
HK$66,962
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,218/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,746
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$2,205/mo
Today · 4.125%
HK$74,120
baseline
▲ 0.50% · 4.625%
HK$78,630
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,240/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,592
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,673
−HK$2,111/mo
Today · 4.125%
HK$81,784
baseline
▲ 0.50% · 4.625%
HK$86,095
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,568/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,226 · Scale 2, in force from 26 Feb 2026)