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$36,465
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$1,152/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,567
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,655
−HK$1,104/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,119
−HK$1,383/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,325/mo
Today · 4.125%
HK$51,311
baseline
▲ 0.50% · 4.625%
HK$54,015
+HK$2,704/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,622/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,051
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,614/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,554
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,546/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,155/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,637
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,679
−HK$2,075/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,998
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,021
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,979
−HK$1,987/mo
Today · 4.125%
HK$76,966
baseline
▲ 0.50% · 4.625%
HK$81,023
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,932/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,691 · Scale 2, in force from 26 Feb 2026)