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$38,757
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,224/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,117
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,273
−HK$1,173/mo
Today · 4.125%
HK$45,446
baseline
▲ 0.50% · 4.625%
HK$47,842
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,892/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,508
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,955
−HK$1,470/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,740
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,128
−HK$1,408/mo
Today · 4.125%
HK$54,536
baseline
▲ 0.50% · 4.625%
HK$57,410
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,072/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,260
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,948
−HK$1,714/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$61,171
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,364
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,643/mo
Today · 4.125%
HK$63,625
baseline
▲ 0.50% · 4.625%
HK$66,979
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,250/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,763
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,933
−HK$2,204/mo
Today · 4.125%
HK$74,137
baseline
▲ 0.50% · 4.625%
HK$78,648
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,274/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,610
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,111/mo
Today · 4.125%
HK$81,803
baseline
▲ 0.50% · 4.625%
HK$86,115
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,606/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,380 · Scale 2, in force from 26 Feb 2026)