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$38,751
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,956
−HK$1,225/mo
Today · 4.125%
HK$41,181
baseline
▲ 0.50% · 4.625%
HK$43,687
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,362/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,110
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,173/mo
Today · 4.125%
HK$45,439
baseline
▲ 0.50% · 4.625%
HK$47,834
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,878/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,501
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,948
−HK$1,469/mo
Today · 4.125%
HK$49,417
baseline
▲ 0.50% · 4.625%
HK$52,424
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,834/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,732
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,120
−HK$1,407/mo
Today · 4.125%
HK$54,527
baseline
▲ 0.50% · 4.625%
HK$57,401
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,054/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,939
−HK$1,715/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,508/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,354
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,973
−HK$1,642/mo
Today · 4.125%
HK$63,615
baseline
▲ 0.50% · 4.625%
HK$66,968
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,230/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,752
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,922
−HK$2,204/mo
Today · 4.125%
HK$74,126
baseline
▲ 0.50% · 4.625%
HK$78,636
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,252/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,598
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,679
−HK$2,112/mo
Today · 4.125%
HK$81,791
baseline
▲ 0.50% · 4.625%
HK$86,102
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,582/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,282 · Scale 2, in force from 26 Feb 2026)