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$38,758
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,225/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,118
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,274
−HK$1,173/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,509
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,956
−HK$1,470/mo
Today · 4.125%
HK$49,426
baseline
▲ 0.50% · 4.625%
HK$52,433
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,852/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,741
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,129
−HK$1,408/mo
Today · 4.125%
HK$54,537
baseline
▲ 0.50% · 4.625%
HK$57,411
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,074/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,949
−HK$1,714/mo
Today · 4.125%
HK$57,663
baseline
▲ 0.50% · 4.625%
HK$61,172
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,326/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,365
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,984
−HK$1,642/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$66,980
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,252/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,764
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,934
−HK$2,205/mo
Today · 4.125%
HK$74,139
baseline
▲ 0.50% · 4.625%
HK$78,650
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,278/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,612
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,693
−HK$2,112/mo
Today · 4.125%
HK$81,805
baseline
▲ 0.50% · 4.625%
HK$86,117
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,610/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,391 · Scale 2, in force from 26 Feb 2026)