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$38,773
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,225/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,507/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,174/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,396/mo
Deposit HK$8.50M · loan HK$8.50M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,471/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,455
+HK$3,009/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,150
−HK$1,409/mo
Today · 4.125%
HK$54,559
baseline
▲ 0.50% · 4.625%
HK$57,434
+HK$2,875/mo
Deposit HK$6.80M · loan HK$10.20M · min. income ≈ HK$109,118/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,283
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,716/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,510/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,389
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,643/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,007
+HK$3,355/mo
Deposit HK$5.10M · loan HK$11.90M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,963
−HK$2,206/mo
Today · 4.125%
HK$74,169
baseline
▲ 0.50% · 4.625%
HK$78,682
+HK$4,513/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$148,338/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,643
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,725
−HK$2,113/mo
Today · 4.125%
HK$81,838
baseline
▲ 0.50% · 4.625%
HK$86,152
+HK$4,314/mo
Deposit HK$1.70M · loan HK$15.30M · min. income ≈ HK$163,676/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,650 · Scale 2, in force from 26 Feb 2026)