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$38,754
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,225/mo
Today · 4.125%
HK$41,184
baseline
▲ 0.50% · 4.625%
HK$43,690
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,368/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,113
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,173/mo
Today · 4.125%
HK$45,443
baseline
▲ 0.50% · 4.625%
HK$47,838
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,886/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,505
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,470/mo
Today · 4.125%
HK$49,421
baseline
▲ 0.50% · 4.625%
HK$52,428
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,842/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,736
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,408/mo
Today · 4.125%
HK$54,531
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,062/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,255
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,943
−HK$1,715/mo
Today · 4.125%
HK$57,658
baseline
▲ 0.50% · 4.625%
HK$61,166
+HK$3,508/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,316/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,359
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,643/mo
Today · 4.125%
HK$63,620
baseline
▲ 0.50% · 4.625%
HK$66,973
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,240/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,757
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,927
−HK$2,204/mo
Today · 4.125%
HK$74,131
baseline
▲ 0.50% · 4.625%
HK$78,642
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,262/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,604
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,112/mo
Today · 4.125%
HK$81,797
baseline
▲ 0.50% · 4.625%
HK$86,108
+HK$4,311/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,594/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,328 · Scale 2, in force from 26 Feb 2026)