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$38,782
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,225/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,722
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,145
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,174/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$47,873
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,987
−HK$1,470/mo
Today · 4.125%
HK$49,457
baseline
▲ 0.50% · 4.625%
HK$52,467
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,914/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,774
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,408/mo
Today · 4.125%
HK$54,571
baseline
▲ 0.50% · 4.625%
HK$57,448
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,142/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,295
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,984
−HK$1,716/mo
Today · 4.125%
HK$57,700
baseline
▲ 0.50% · 4.625%
HK$61,211
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,400/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,403
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,644/mo
Today · 4.125%
HK$63,667
baseline
▲ 0.50% · 4.625%
HK$67,022
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,334/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,808
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,980
−HK$2,206/mo
Today · 4.125%
HK$74,186
baseline
▲ 0.50% · 4.625%
HK$78,700
+HK$4,514/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,372/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,661
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,744
−HK$2,113/mo
Today · 4.125%
HK$81,857
baseline
▲ 0.50% · 4.625%
HK$86,172
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,714/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,798 · Scale 2, in force from 26 Feb 2026)