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$38,752
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,224/mo
Today · 4.125%
HK$41,182
baseline
▲ 0.50% · 4.625%
HK$43,688
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,364/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,173/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$47,836
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,949
−HK$1,470/mo
Today · 4.125%
HK$49,419
baseline
▲ 0.50% · 4.625%
HK$52,426
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,838/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,734
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,121
−HK$1,408/mo
Today · 4.125%
HK$54,529
baseline
▲ 0.50% · 4.625%
HK$57,403
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,058/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,941
−HK$1,714/mo
Today · 4.125%
HK$57,655
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,310/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,356
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,975
−HK$1,642/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$66,971
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,754
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$2,204/mo
Today · 4.125%
HK$74,128
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,256/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,682
−HK$2,111/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,304 · Scale 2, in force from 26 Feb 2026)