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$38,782
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,988
−HK$1,226/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,721
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,144
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,301
−HK$1,174/mo
Today · 4.125%
HK$45,475
baseline
▲ 0.50% · 4.625%
HK$47,872
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,950/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,538
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,986
−HK$1,470/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,466
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,773
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,162
−HK$1,408/mo
Today · 4.125%
HK$54,570
baseline
▲ 0.50% · 4.625%
HK$57,447
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,140/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,294
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,983
−HK$1,716/mo
Today · 4.125%
HK$57,699
baseline
▲ 0.50% · 4.625%
HK$61,210
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,398/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,402
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,022
−HK$1,643/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,021
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,807
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,978
−HK$2,206/mo
Today · 4.125%
HK$74,184
baseline
▲ 0.50% · 4.625%
HK$78,698
+HK$4,514/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,368/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,659
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,742
−HK$2,113/mo
Today · 4.125%
HK$81,855
baseline
▲ 0.50% · 4.625%
HK$86,170
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,710/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,784 · Scale 2, in force from 26 Feb 2026)