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$36,488
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$1,153/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,592
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,681
−HK$1,104/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,041
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,785
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,384/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,325/mo
Today · 4.125%
HK$51,342
baseline
▲ 0.50% · 4.625%
HK$54,049
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,684/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,083
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,614/mo
Today · 4.125%
HK$54,286
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,572/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,829
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,546/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,678
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,721
−HK$2,076/mo
Today · 4.125%
HK$69,797
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$4,247/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,594/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,066
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,026
−HK$1,988/mo
Today · 4.125%
HK$77,014
baseline
▲ 0.50% · 4.625%
HK$81,073
+HK$4,059/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,028/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,061 · Scale 2, in force from 26 Feb 2026)