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$36,469
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$1,152/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$41,114
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,572
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,660
−HK$1,104/mo
Today · 4.125%
HK$42,764
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,528/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,763
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,124
−HK$1,383/mo
Today · 4.125%
HK$46,507
baseline
▲ 0.50% · 4.625%
HK$49,337
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,014/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,686
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,324/mo
Today · 4.125%
HK$51,316
baseline
▲ 0.50% · 4.625%
HK$54,021
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,632/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,057
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,645
−HK$1,614/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,560
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,800
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,324
−HK$1,545/mo
Today · 4.125%
HK$59,869
baseline
▲ 0.50% · 4.625%
HK$63,025
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,738/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,644
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,686
−HK$2,075/mo
Today · 4.125%
HK$69,761
baseline
▲ 0.50% · 4.625%
HK$74,006
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,522/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,029
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$1,987/mo
Today · 4.125%
HK$76,974
baseline
▲ 0.50% · 4.625%
HK$81,032
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,948/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,755 · Scale 2, in force from 26 Feb 2026)