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$36,492
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$1,153/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,686
−HK$1,104/mo
Today · 4.125%
HK$42,790
baseline
▲ 0.50% · 4.625%
HK$45,046
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,580/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,790
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,153
−HK$1,384/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,716
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,325/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,089
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,678
−HK$1,615/mo
Today · 4.125%
HK$54,293
baseline
▲ 0.50% · 4.625%
HK$57,596
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,586/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,836
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,360
−HK$1,547/mo
Today · 4.125%
HK$59,907
baseline
▲ 0.50% · 4.625%
HK$63,064
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,814/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,686
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,729
−HK$2,076/mo
Today · 4.125%
HK$69,805
baseline
▲ 0.50% · 4.625%
HK$74,052
+HK$4,247/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,610/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,075
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$1,989/mo
Today · 4.125%
HK$77,023
baseline
▲ 0.50% · 4.625%
HK$81,083
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,046/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,131 · Scale 2, in force from 26 Feb 2026)