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$38,744
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,224/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,173/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$47,825
+HK$2,394/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,492
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,939
−HK$1,469/mo
Today · 4.125%
HK$49,408
baseline
▲ 0.50% · 4.625%
HK$52,414
+HK$3,006/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,816/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,407/mo
Today · 4.125%
HK$54,517
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$2,873/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,034/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,241
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,715/mo
Today · 4.125%
HK$57,643
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,286/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,343
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,961
−HK$1,642/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$66,956
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,739
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,908
−HK$2,204/mo
Today · 4.125%
HK$74,112
baseline
▲ 0.50% · 4.625%
HK$78,622
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,224/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,584
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,111/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,086
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,161 · Scale 2, in force from 26 Feb 2026)