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$36,476
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,611
−HK$1,152/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,579
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,667
−HK$1,105/mo
Today · 4.125%
HK$42,772
baseline
▲ 0.50% · 4.625%
HK$45,026
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,544/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,383/mo
Today · 4.125%
HK$46,516
baseline
▲ 0.50% · 4.625%
HK$49,346
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,032/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,695
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,001
−HK$1,325/mo
Today · 4.125%
HK$51,326
baseline
▲ 0.50% · 4.625%
HK$54,031
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,652/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,066
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,614/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,811
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,334
−HK$1,546/mo
Today · 4.125%
HK$59,880
baseline
▲ 0.50% · 4.625%
HK$63,037
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,760/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$2,075/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$74,020
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,043
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,001
−HK$1,988/mo
Today · 4.125%
HK$76,989
baseline
▲ 0.50% · 4.625%
HK$81,047
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,978/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,867 · Scale 2, in force from 26 Feb 2026)