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$36,498
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,633
−HK$1,153/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,105/mo
Today · 4.125%
HK$42,797
baseline
▲ 0.50% · 4.625%
HK$45,053
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,594/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,797
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,159
−HK$1,384/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,724
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,030
−HK$1,326/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,063
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,686
−HK$1,615/mo
Today · 4.125%
HK$54,301
baseline
▲ 0.50% · 4.625%
HK$57,605
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,602/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,844
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,369
−HK$1,547/mo
Today · 4.125%
HK$59,916
baseline
▲ 0.50% · 4.625%
HK$63,074
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,832/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$2,076/mo
Today · 4.125%
HK$69,815
baseline
▲ 0.50% · 4.625%
HK$74,063
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,630/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,086
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,046
−HK$1,988/mo
Today · 4.125%
HK$77,034
baseline
▲ 0.50% · 4.625%
HK$81,095
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,068/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,221 · Scale 2, in force from 26 Feb 2026)