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$36,500
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,636
−HK$1,153/mo
Today · 4.125%
HK$38,789
baseline
▲ 0.50% · 4.625%
HK$41,150
+HK$2,361/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,578/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,606
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,695
−HK$1,105/mo
Today · 4.125%
HK$42,800
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,600/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,384/mo
Today · 4.125%
HK$46,547
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,094/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,035
−HK$1,325/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,101
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,690
−HK$1,615/mo
Today · 4.125%
HK$54,305
baseline
▲ 0.50% · 4.625%
HK$57,609
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,849
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,374
−HK$1,546/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,079
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,701
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,745
−HK$2,076/mo
Today · 4.125%
HK$69,821
baseline
▲ 0.50% · 4.625%
HK$74,069
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,642/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,092
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,052
−HK$1,988/mo
Today · 4.125%
HK$77,040
baseline
▲ 0.50% · 4.625%
HK$81,101
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,080/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,270 · Scale 2, in force from 26 Feb 2026)