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$38,760
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,966
−HK$1,225/mo
Today · 4.125%
HK$41,191
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,506/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,382/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,277
−HK$1,173/mo
Today · 4.125%
HK$45,450
baseline
▲ 0.50% · 4.625%
HK$47,846
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,900/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,512
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,470/mo
Today · 4.125%
HK$49,429
baseline
▲ 0.50% · 4.625%
HK$52,437
+HK$3,008/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,858/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,744
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,132
−HK$1,408/mo
Today · 4.125%
HK$54,540
baseline
▲ 0.50% · 4.625%
HK$57,415
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,080/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,264
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,715/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$61,176
+HK$3,509/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,368
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,987
−HK$1,643/mo
Today · 4.125%
HK$63,630
baseline
▲ 0.50% · 4.625%
HK$66,984
+HK$3,354/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,260/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,768
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,939
−HK$2,204/mo
Today · 4.125%
HK$74,143
baseline
▲ 0.50% · 4.625%
HK$78,655
+HK$4,512/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,286/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,617
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,698
−HK$2,112/mo
Today · 4.125%
HK$81,810
baseline
▲ 0.50% · 4.625%
HK$86,122
+HK$4,312/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,620/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,432 · Scale 2, in force from 26 Feb 2026)