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$38,756
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,225/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,693
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,116
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,173/mo
Today · 4.125%
HK$45,445
baseline
▲ 0.50% · 4.625%
HK$47,841
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,890/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,507
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,954
−HK$1,470/mo
Today · 4.125%
HK$49,424
baseline
▲ 0.50% · 4.625%
HK$52,431
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,848/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,739
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,127
−HK$1,407/mo
Today · 4.125%
HK$54,534
baseline
▲ 0.50% · 4.625%
HK$57,409
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,068/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,715/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,981
−HK$1,642/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,977
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,761
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,931
−HK$2,205/mo
Today · 4.125%
HK$74,136
baseline
▲ 0.50% · 4.625%
HK$78,647
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,272/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,608
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,690
−HK$2,111/mo
Today · 4.125%
HK$81,801
baseline
▲ 0.50% · 4.625%
HK$86,113
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,602/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,365 · Scale 2, in force from 26 Feb 2026)