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$36,475
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,610
−HK$1,152/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$41,121
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,666
−HK$1,104/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,025
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,132
−HK$1,383/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$49,345
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$50,000
−HK$1,324/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,614/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,569
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,809
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,333
−HK$1,546/mo
Today · 4.125%
HK$59,879
baseline
▲ 0.50% · 4.625%
HK$63,035
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,758/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,697
−HK$2,075/mo
Today · 4.125%
HK$69,772
baseline
▲ 0.50% · 4.625%
HK$74,018
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,544/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,041
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$1,988/mo
Today · 4.125%
HK$76,987
baseline
▲ 0.50% · 4.625%
HK$81,045
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,974/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,851 · Scale 2, in force from 26 Feb 2026)