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$38,753
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,224/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,113
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,173/mo
Today · 4.125%
HK$45,442
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,395/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,884/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,469/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$3,007/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,735
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,407/mo
Today · 4.125%
HK$54,530
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,060/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,255
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,715/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,508/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,358
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,642/mo
Today · 4.125%
HK$63,619
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,238/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,756
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,926
−HK$2,204/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,641
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,603
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,684
−HK$2,111/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,107
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,319 · Scale 2, in force from 26 Feb 2026)