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$38,755
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,961
−HK$1,224/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,691
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,115
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,271
−HK$1,173/mo
Today · 4.125%
HK$45,444
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,888/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,953
−HK$1,469/mo
Today · 4.125%
HK$49,422
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,844/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,125
−HK$1,408/mo
Today · 4.125%
HK$54,533
baseline
▲ 0.50% · 4.625%
HK$57,407
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,066/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,945
−HK$1,715/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$61,168
+HK$3,508/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$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,643/mo
Today · 4.125%
HK$63,622
baseline
▲ 0.50% · 4.625%
HK$66,975
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,244/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$2,205/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,606
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,111/mo
Today · 4.125%
HK$81,799
baseline
▲ 0.50% · 4.625%
HK$86,111
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,598/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,348 · Scale 2, in force from 26 Feb 2026)