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$38,761
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,225/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,122
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,278
−HK$1,173/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$47,847
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,514
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,960
−HK$1,470/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,438
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,746
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,134
−HK$1,408/mo
Today · 4.125%
HK$54,542
baseline
▲ 0.50% · 4.625%
HK$57,417
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,084/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,266
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,715/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,370
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,989
−HK$1,643/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$66,986
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,770
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,941
−HK$2,205/mo
Today · 4.125%
HK$74,146
baseline
▲ 0.50% · 4.625%
HK$78,657
+HK$4,511/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,292/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,619
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,701
−HK$2,111/mo
Today · 4.125%
HK$81,812
baseline
▲ 0.50% · 4.625%
HK$86,125
+HK$4,313/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,624/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,451 · Scale 2, in force from 26 Feb 2026)