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$38,786
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,226/mo
Today · 4.125%
HK$41,219
baseline
▲ 0.50% · 4.625%
HK$43,727
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,438/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,307
−HK$1,174/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,544
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,471/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,779
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,168
−HK$1,409/mo
Today · 4.125%
HK$54,577
baseline
▲ 0.50% · 4.625%
HK$57,454
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,154/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,301
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,716/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$61,217
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,409
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,029
−HK$1,644/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,029
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,815
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,987
−HK$2,206/mo
Today · 4.125%
HK$74,193
baseline
▲ 0.50% · 4.625%
HK$78,708
+HK$4,515/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,386/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,669
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,113/mo
Today · 4.125%
HK$81,865
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,730/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,862 · Scale 2, in force from 26 Feb 2026)