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$38,759
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,225/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,696
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,119
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,173/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$47,844
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,511
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,958
−HK$1,470/mo
Today · 4.125%
HK$49,428
baseline
▲ 0.50% · 4.625%
HK$52,435
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,856/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,743
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,407/mo
Today · 4.125%
HK$54,538
baseline
▲ 0.50% · 4.625%
HK$57,413
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,076/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,263
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,951
−HK$1,715/mo
Today · 4.125%
HK$57,666
baseline
▲ 0.50% · 4.625%
HK$61,174
+HK$3,508/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,332/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,367
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,986
−HK$1,642/mo
Today · 4.125%
HK$63,628
baseline
▲ 0.50% · 4.625%
HK$66,982
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,256/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,766
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,937
−HK$2,204/mo
Today · 4.125%
HK$74,141
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,282/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,614
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,696
−HK$2,112/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,120
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,414 · Scale 2, in force from 26 Feb 2026)