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$38,763
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,969
−HK$1,225/mo
Today · 4.125%
HK$41,194
baseline
▲ 0.50% · 4.625%
HK$43,700
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,388/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,123
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,173/mo
Today · 4.125%
HK$45,453
baseline
▲ 0.50% · 4.625%
HK$47,849
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,906/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,516
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,962
−HK$1,471/mo
Today · 4.125%
HK$49,433
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,866/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,748
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,136
−HK$1,408/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,419
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,268
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,956
−HK$1,715/mo
Today · 4.125%
HK$57,671
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,342/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,373
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,992
−HK$1,643/mo
Today · 4.125%
HK$63,635
baseline
▲ 0.50% · 4.625%
HK$66,989
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,270/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,773
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,944
−HK$2,205/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,661
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,622
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,112/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,129
+HK$4,313/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,478 · Scale 2, in force from 26 Feb 2026)