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$36,503
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$1,154/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,105/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,059
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,803
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,384/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,383
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,325/mo
Today · 4.125%
HK$51,363
baseline
▲ 0.50% · 4.625%
HK$54,071
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,726/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,104
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,693
−HK$1,615/mo
Today · 4.125%
HK$54,308
baseline
▲ 0.50% · 4.625%
HK$57,613
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,616/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,852
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,377
−HK$1,547/mo
Today · 4.125%
HK$59,924
baseline
▲ 0.50% · 4.625%
HK$63,083
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,848/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,705
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,749
−HK$2,076/mo
Today · 4.125%
HK$69,825
baseline
▲ 0.50% · 4.625%
HK$74,074
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,650/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,096
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,056
−HK$1,989/mo
Today · 4.125%
HK$77,045
baseline
▲ 0.50% · 4.625%
HK$81,106
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,090/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,307 · Scale 2, in force from 26 Feb 2026)