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$36,496
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$1,153/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$41,144
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,601
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,104/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,795
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,157
−HK$1,384/mo
Today · 4.125%
HK$46,541
baseline
▲ 0.50% · 4.625%
HK$49,373
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,082/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,721
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,028
−HK$1,325/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,060
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,094
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,683
−HK$1,615/mo
Today · 4.125%
HK$54,298
baseline
▲ 0.50% · 4.625%
HK$57,602
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,596/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,841
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,366
−HK$1,546/mo
Today · 4.125%
HK$59,912
baseline
▲ 0.50% · 4.625%
HK$63,070
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,824/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,692
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,735
−HK$2,076/mo
Today · 4.125%
HK$69,811
baseline
▲ 0.50% · 4.625%
HK$74,059
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,622/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,082
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,042
−HK$1,988/mo
Today · 4.125%
HK$77,030
baseline
▲ 0.50% · 4.625%
HK$81,090
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,060/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,189 · Scale 2, in force from 26 Feb 2026)