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$38,766
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,972
−HK$1,225/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,704
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,127
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,283
−HK$1,174/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$47,853
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,470/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,444
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,752
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,408/mo
Today · 4.125%
HK$54,548
baseline
▲ 0.50% · 4.625%
HK$57,423
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,096/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,272
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,715/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$61,185
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,377
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,997
−HK$1,642/mo
Today · 4.125%
HK$63,639
baseline
▲ 0.50% · 4.625%
HK$66,994
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,278/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,949
−HK$2,205/mo
Today · 4.125%
HK$74,154
baseline
▲ 0.50% · 4.625%
HK$78,666
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,308/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,628
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,710
−HK$2,112/mo
Today · 4.125%
HK$81,822
baseline
▲ 0.50% · 4.625%
HK$86,135
+HK$4,313/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,644/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,524 · Scale 2, in force from 26 Feb 2026)