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$36,467
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$1,153/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$41,112
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,104/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,015
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,760
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,383/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,683
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,325/mo
Today · 4.125%
HK$51,313
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,626/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,054
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,642
−HK$1,613/mo
Today · 4.125%
HK$54,255
baseline
▲ 0.50% · 4.625%
HK$57,556
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,510/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,797
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,320
−HK$1,545/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,021
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,640
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,682
−HK$2,075/mo
Today · 4.125%
HK$69,757
baseline
▲ 0.50% · 4.625%
HK$74,001
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,514/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,024
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,983
−HK$1,986/mo
Today · 4.125%
HK$76,969
baseline
▲ 0.50% · 4.625%
HK$81,027
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,938/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,717 · Scale 2, in force from 26 Feb 2026)