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$36,504
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$1,154/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,361/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,105/mo
Today · 4.125%
HK$42,804
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,257/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,608/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,805
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,385/mo
Today · 4.125%
HK$46,552
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,104/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,732
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,039
−HK$1,326/mo
Today · 4.125%
HK$51,365
baseline
▲ 0.50% · 4.625%
HK$54,073
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,730/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,106
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,695
−HK$1,615/mo
Today · 4.125%
HK$54,310
baseline
▲ 0.50% · 4.625%
HK$57,615
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,620/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,854
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,379
−HK$1,547/mo
Today · 4.125%
HK$59,926
baseline
▲ 0.50% · 4.625%
HK$63,085
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,852/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,707
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,751
−HK$2,077/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$74,076
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,099
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,059
−HK$1,989/mo
Today · 4.125%
HK$77,048
baseline
▲ 0.50% · 4.625%
HK$81,109
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,096/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,327 · Scale 2, in force from 26 Feb 2026)