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$38,778
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,984
−HK$1,225/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,717
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,140
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,297
−HK$1,174/mo
Today · 4.125%
HK$45,471
baseline
▲ 0.50% · 4.625%
HK$47,867
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,942/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,533
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,470/mo
Today · 4.125%
HK$49,451
baseline
▲ 0.50% · 4.625%
HK$52,460
+HK$3,009/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,902/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,768
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,409/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,441
+HK$2,876/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,289
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,716/mo
Today · 4.125%
HK$57,693
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,386/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,015
−HK$1,644/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,014
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,800
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,971
−HK$2,206/mo
Today · 4.125%
HK$74,177
baseline
▲ 0.50% · 4.625%
HK$78,690
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,354/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,652
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,734
−HK$2,113/mo
Today · 4.125%
HK$81,847
baseline
▲ 0.50% · 4.625%
HK$86,161
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,694/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,720 · Scale 2, in force from 26 Feb 2026)