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$38,743
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,948
−HK$1,225/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,505/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,101
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,173/mo
Today · 4.125%
HK$45,430
baseline
▲ 0.50% · 4.625%
HK$47,825
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,860/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,492
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,938
−HK$1,469/mo
Today · 4.125%
HK$49,407
baseline
▲ 0.50% · 4.625%
HK$52,414
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,814/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,109
−HK$1,407/mo
Today · 4.125%
HK$54,516
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,032/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,240
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,714/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$61,149
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,342
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,642/mo
Today · 4.125%
HK$63,602
baseline
▲ 0.50% · 4.625%
HK$66,955
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,204/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,907
−HK$2,204/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,620
+HK$4,509/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,111/mo
Today · 4.125%
HK$81,774
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,548/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,152 · Scale 2, in force from 26 Feb 2026)