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$36,494
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$1,153/mo
Today · 4.125%
HK$38,782
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,564/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,104/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,792
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,383/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$49,370
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,719
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,025
−HK$1,326/mo
Today · 4.125%
HK$51,351
baseline
▲ 0.50% · 4.625%
HK$54,057
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,702/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,091
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,680
−HK$1,615/mo
Today · 4.125%
HK$54,295
baseline
▲ 0.50% · 4.625%
HK$57,599
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,590/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,838
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,363
−HK$1,546/mo
Today · 4.125%
HK$59,909
baseline
▲ 0.50% · 4.625%
HK$63,067
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,818/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,688
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,732
−HK$2,076/mo
Today · 4.125%
HK$69,808
baseline
▲ 0.50% · 4.625%
HK$74,055
+HK$4,247/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,616/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,038
−HK$1,988/mo
Today · 4.125%
HK$77,026
baseline
▲ 0.50% · 4.625%
HK$81,086
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,052/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,157 · Scale 2, in force from 26 Feb 2026)