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$36,499
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$1,153/mo
Today · 4.125%
HK$38,787
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,574/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,604
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,693
−HK$1,105/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,054
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,384/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,725
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,326/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,687
−HK$1,615/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,606
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,846
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,546/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,075
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,697
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,741
−HK$2,076/mo
Today · 4.125%
HK$69,817
baseline
▲ 0.50% · 4.625%
HK$74,065
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,634/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,088
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$1,988/mo
Today · 4.125%
HK$77,036
baseline
▲ 0.50% · 4.625%
HK$81,097
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,072/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,238 · Scale 2, in force from 26 Feb 2026)