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$38,765
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,225/mo
Today · 4.125%
HK$41,196
baseline
▲ 0.50% · 4.625%
HK$43,703
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,392/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,126
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,283
−HK$1,173/mo
Today · 4.125%
HK$45,456
baseline
▲ 0.50% · 4.625%
HK$47,852
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,912/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,518
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,965
−HK$1,470/mo
Today · 4.125%
HK$49,435
baseline
▲ 0.50% · 4.625%
HK$52,443
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,870/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,751
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,139
−HK$1,408/mo
Today · 4.125%
HK$54,547
baseline
▲ 0.50% · 4.625%
HK$57,422
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,094/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,716/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$61,184
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,996
−HK$1,642/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$66,993
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,777
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,948
−HK$2,205/mo
Today · 4.125%
HK$74,153
baseline
▲ 0.50% · 4.625%
HK$78,665
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,306/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,627
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,709
−HK$2,112/mo
Today · 4.125%
HK$81,821
baseline
▲ 0.50% · 4.625%
HK$86,133
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,642/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,515 · Scale 2, in force from 26 Feb 2026)