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$38,781
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,987
−HK$1,225/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,720
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,143
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,300
−HK$1,174/mo
Today · 4.125%
HK$45,474
baseline
▲ 0.50% · 4.625%
HK$47,871
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,948/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,537
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,471/mo
Today · 4.125%
HK$49,455
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$3,009/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,910/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,160
−HK$1,409/mo
Today · 4.125%
HK$54,569
baseline
▲ 0.50% · 4.625%
HK$57,445
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,138/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,293
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,982
−HK$1,715/mo
Today · 4.125%
HK$57,697
baseline
▲ 0.50% · 4.625%
HK$61,208
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,394/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,400
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,020
−HK$1,643/mo
Today · 4.125%
HK$63,663
baseline
▲ 0.50% · 4.625%
HK$67,019
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,326/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,805
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,976
−HK$2,206/mo
Today · 4.125%
HK$74,182
baseline
▲ 0.50% · 4.625%
HK$78,696
+HK$4,514/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,364/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,657
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,740
−HK$2,113/mo
Today · 4.125%
HK$81,853
baseline
▲ 0.50% · 4.625%
HK$86,167
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,706/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,766 · Scale 2, in force from 26 Feb 2026)