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$38,750
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,955
−HK$1,225/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,686
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,109
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,265
−HK$1,173/mo
Today · 4.125%
HK$45,438
baseline
▲ 0.50% · 4.625%
HK$47,833
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,876/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,946
−HK$1,470/mo
Today · 4.125%
HK$49,416
baseline
▲ 0.50% · 4.625%
HK$52,423
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,832/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,731
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,118
−HK$1,408/mo
Today · 4.125%
HK$54,526
baseline
▲ 0.50% · 4.625%
HK$57,400
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,052/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,250
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,937
−HK$1,715/mo
Today · 4.125%
HK$57,652
baseline
▲ 0.50% · 4.625%
HK$61,160
+HK$3,508/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,304/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,353
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,971
−HK$1,642/mo
Today · 4.125%
HK$63,613
baseline
▲ 0.50% · 4.625%
HK$66,966
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,226/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,750
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,920
−HK$2,204/mo
Today · 4.125%
HK$74,124
baseline
▲ 0.50% · 4.625%
HK$78,634
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,248/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,596
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,677
−HK$2,111/mo
Today · 4.125%
HK$81,788
baseline
▲ 0.50% · 4.625%
HK$86,100
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,576/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,264 · Scale 2, in force from 26 Feb 2026)