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$38,764
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,970
−HK$1,225/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,702
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,125
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,173/mo
Today · 4.125%
HK$45,455
baseline
▲ 0.50% · 4.625%
HK$47,851
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,910/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,517
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,964
−HK$1,470/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,442
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,750
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,138
−HK$1,408/mo
Today · 4.125%
HK$54,546
baseline
▲ 0.50% · 4.625%
HK$57,421
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,092/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,270
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,958
−HK$1,715/mo
Today · 4.125%
HK$57,673
baseline
▲ 0.50% · 4.625%
HK$61,183
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,346/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,375
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,994
−HK$1,643/mo
Today · 4.125%
HK$63,637
baseline
▲ 0.50% · 4.625%
HK$66,991
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,274/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,776
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,946
−HK$2,205/mo
Today · 4.125%
HK$74,151
baseline
▲ 0.50% · 4.625%
HK$78,663
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,302/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,625
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,112/mo
Today · 4.125%
HK$81,819
baseline
▲ 0.50% · 4.625%
HK$86,132
+HK$4,313/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,638/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,501 · Scale 2, in force from 26 Feb 2026)