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$38,744
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,950
−HK$1,224/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,505/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,172/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,493
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,939
−HK$1,470/mo
Today · 4.125%
HK$49,409
baseline
▲ 0.50% · 4.625%
HK$52,415
+HK$3,006/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,818/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,723
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,408/mo
Today · 4.125%
HK$54,518
baseline
▲ 0.50% · 4.625%
HK$57,391
+HK$2,873/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,036/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,242
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,929
−HK$1,715/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$61,151
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,344
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,962
−HK$1,642/mo
Today · 4.125%
HK$63,604
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,208/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,740
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,909
−HK$2,204/mo
Today · 4.125%
HK$74,113
baseline
▲ 0.50% · 4.625%
HK$78,623
+HK$4,510/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,226/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,585
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,666
−HK$2,111/mo
Today · 4.125%
HK$81,777
baseline
▲ 0.50% · 4.625%
HK$86,087
+HK$4,310/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,554/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,171 · Scale 2, in force from 26 Feb 2026)