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$36,487
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$1,153/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,104/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,784
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,384/mo
Today · 4.125%
HK$46,530
baseline
▲ 0.50% · 4.625%
HK$49,361
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,060/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,709
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,325/mo
Today · 4.125%
HK$51,341
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,682/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,081
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,615/mo
Today · 4.125%
HK$54,285
baseline
▲ 0.50% · 4.625%
HK$57,588
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,570/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,828
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,352
−HK$1,546/mo
Today · 4.125%
HK$59,898
baseline
▲ 0.50% · 4.625%
HK$63,055
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,796/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,676
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,719
−HK$2,076/mo
Today · 4.125%
HK$69,795
baseline
▲ 0.50% · 4.625%
HK$74,041
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,590/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,064
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,024
−HK$1,988/mo
Today · 4.125%
HK$77,012
baseline
▲ 0.50% · 4.625%
HK$81,071
+HK$4,059/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,024/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,044 · Scale 2, in force from 26 Feb 2026)