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$38,774
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,225/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,136
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,293
−HK$1,174/mo
Today · 4.125%
HK$45,467
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,934/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,529
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,977
−HK$1,470/mo
Today · 4.125%
HK$49,447
baseline
▲ 0.50% · 4.625%
HK$52,456
+HK$3,009/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,894/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,763
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,152
−HK$1,408/mo
Today · 4.125%
HK$54,560
baseline
▲ 0.50% · 4.625%
HK$57,436
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,120/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,284
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,973
−HK$1,715/mo
Today · 4.125%
HK$57,688
baseline
▲ 0.50% · 4.625%
HK$61,199
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,376/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,391
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,010
−HK$1,643/mo
Today · 4.125%
HK$63,653
baseline
▲ 0.50% · 4.625%
HK$67,009
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,306/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,794
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,965
−HK$2,206/mo
Today · 4.125%
HK$74,171
baseline
▲ 0.50% · 4.625%
HK$78,684
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,342/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,645
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,728
−HK$2,112/mo
Today · 4.125%
HK$81,840
baseline
▲ 0.50% · 4.625%
HK$86,154
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,680/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,667 · Scale 2, in force from 26 Feb 2026)