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$38,770
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,226/mo
Today · 4.125%
HK$41,202
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,404/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,132
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,174/mo
Today · 4.125%
HK$45,462
baseline
▲ 0.50% · 4.625%
HK$47,858
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,924/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,524
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,972
−HK$1,470/mo
Today · 4.125%
HK$49,442
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,884/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,758
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,146
−HK$1,408/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,430
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,278
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,967
−HK$1,715/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,384
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,004
−HK$1,643/mo
Today · 4.125%
HK$63,647
baseline
▲ 0.50% · 4.625%
HK$67,002
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,294/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,787
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,957
−HK$2,206/mo
Today · 4.125%
HK$74,163
baseline
▲ 0.50% · 4.625%
HK$78,676
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,326/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,637
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,719
−HK$2,112/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,145
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,599 · Scale 2, in force from 26 Feb 2026)