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$38,769
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,975
−HK$1,225/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,130
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,287
−HK$1,173/mo
Today · 4.125%
HK$45,460
baseline
▲ 0.50% · 4.625%
HK$47,857
+HK$2,397/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,920/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,523
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,470/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,448
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,756
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,144
−HK$1,408/mo
Today · 4.125%
HK$54,552
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,104/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,965
−HK$1,715/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,382
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,002
−HK$1,642/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,784
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,955
−HK$2,205/mo
Today · 4.125%
HK$74,160
baseline
▲ 0.50% · 4.625%
HK$78,673
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,320/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,634
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,716
−HK$2,112/mo
Today · 4.125%
HK$81,828
baseline
▲ 0.50% · 4.625%
HK$86,142
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,656/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,576 · Scale 2, in force from 26 Feb 2026)