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$36,502
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$1,153/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,361/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,104/mo
Today · 4.125%
HK$42,801
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,257/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,602/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,802
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,164
−HK$1,385/mo
Today · 4.125%
HK$46,549
baseline
▲ 0.50% · 4.625%
HK$49,381
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,098/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,729
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,036
−HK$1,326/mo
Today · 4.125%
HK$51,362
baseline
▲ 0.50% · 4.625%
HK$54,069
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,724/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,102
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,615/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,611
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,375
−HK$1,547/mo
Today · 4.125%
HK$59,922
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,844/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,703
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,746
−HK$2,077/mo
Today · 4.125%
HK$69,823
baseline
▲ 0.50% · 4.625%
HK$74,071
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,646/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,094
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,054
−HK$1,989/mo
Today · 4.125%
HK$77,043
baseline
▲ 0.50% · 4.625%
HK$81,104
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,086/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,287 · Scale 2, in force from 26 Feb 2026)