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$38,742
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,947
−HK$1,224/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,505/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,256
−HK$1,172/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,490
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,936
−HK$1,470/mo
Today · 4.125%
HK$49,406
baseline
▲ 0.50% · 4.625%
HK$52,412
+HK$3,006/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,812/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,720
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,107
−HK$1,407/mo
Today · 4.125%
HK$54,514
baseline
▲ 0.50% · 4.625%
HK$57,388
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,028/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,239
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,926
−HK$1,714/mo
Today · 4.125%
HK$57,640
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,280/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,340
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,958
−HK$1,642/mo
Today · 4.125%
HK$63,600
baseline
▲ 0.50% · 4.625%
HK$66,952
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,200/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,735
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$2,204/mo
Today · 4.125%
HK$74,108
baseline
▲ 0.50% · 4.625%
HK$78,618
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,216/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,580
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,111/mo
Today · 4.125%
HK$81,771
baseline
▲ 0.50% · 4.625%
HK$86,081
+HK$4,310/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,542/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,130 · Scale 2, in force from 26 Feb 2026)