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$38,756
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,961
−HK$1,225/mo
Today · 4.125%
HK$41,186
baseline
▲ 0.50% · 4.625%
HK$43,692
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,372/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,115
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,173/mo
Today · 4.125%
HK$45,445
baseline
▲ 0.50% · 4.625%
HK$47,840
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,890/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,507
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,953
−HK$1,470/mo
Today · 4.125%
HK$49,423
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,846/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,126
−HK$1,408/mo
Today · 4.125%
HK$54,534
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,068/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,258
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,714/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$61,169
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,980
−HK$1,643/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,976
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,760
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,930
−HK$2,205/mo
Today · 4.125%
HK$74,135
baseline
▲ 0.50% · 4.625%
HK$78,646
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,270/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,608
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,689
−HK$2,111/mo
Today · 4.125%
HK$81,800
baseline
▲ 0.50% · 4.625%
HK$86,112
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,600/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,358 · Scale 2, in force from 26 Feb 2026)