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$38,753
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,225/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,173/mo
Today · 4.125%
HK$45,442
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,884/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,470/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,735
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,408/mo
Today · 4.125%
HK$54,530
baseline
▲ 0.50% · 4.625%
HK$57,404
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,060/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,714/mo
Today · 4.125%
HK$57,656
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,312/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,976
−HK$1,642/mo
Today · 4.125%
HK$63,618
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,236/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$2,205/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,602
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,684
−HK$2,111/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,106
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,314 · Scale 2, in force from 26 Feb 2026)