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$36,500
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,635
−HK$1,154/mo
Today · 4.125%
HK$38,789
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,578/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,606
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,695
−HK$1,104/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,800
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,384/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,325/mo
Today · 4.125%
HK$51,359
baseline
▲ 0.50% · 4.625%
HK$54,066
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,718/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,100
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,615/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,608
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,848
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,547/mo
Today · 4.125%
HK$59,919
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,838/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,700
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,743
−HK$2,076/mo
Today · 4.125%
HK$69,819
baseline
▲ 0.50% · 4.625%
HK$74,068
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,638/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,090
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,050
−HK$1,989/mo
Today · 4.125%
HK$77,039
baseline
▲ 0.50% · 4.625%
HK$81,100
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,078/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,258 · Scale 2, in force from 26 Feb 2026)