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$38,785
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,992
−HK$1,226/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,726
+HK$2,508/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,148
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,306
−HK$1,173/mo
Today · 4.125%
HK$45,479
baseline
▲ 0.50% · 4.625%
HK$47,877
+HK$2,398/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,958/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,542
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,990
−HK$1,471/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,471
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,778
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,408/mo
Today · 4.125%
HK$54,575
baseline
▲ 0.50% · 4.625%
HK$57,452
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,150/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,299
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,988
−HK$1,717/mo
Today · 4.125%
HK$57,705
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,410/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,408
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,643/mo
Today · 4.125%
HK$63,671
baseline
▲ 0.50% · 4.625%
HK$67,027
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,342/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,814
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,985
−HK$2,207/mo
Today · 4.125%
HK$74,192
baseline
▲ 0.50% · 4.625%
HK$78,706
+HK$4,514/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,384/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,667
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,750
−HK$2,113/mo
Today · 4.125%
HK$81,863
baseline
▲ 0.50% · 4.625%
HK$86,178
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,726/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,845 · Scale 2, in force from 26 Feb 2026)