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$36,469
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,603
−HK$1,153/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$41,114
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,571
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,104/mo
Today · 4.125%
HK$42,763
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,526/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,763
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,124
−HK$1,383/mo
Today · 4.125%
HK$46,507
baseline
▲ 0.50% · 4.625%
HK$49,337
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,014/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,685
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,991
−HK$1,325/mo
Today · 4.125%
HK$51,316
baseline
▲ 0.50% · 4.625%
HK$54,021
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,632/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,644
−HK$1,614/mo
Today · 4.125%
HK$54,258
baseline
▲ 0.50% · 4.625%
HK$57,559
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,516/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,800
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,323
−HK$1,545/mo
Today · 4.125%
HK$59,868
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,644
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,686
−HK$2,074/mo
Today · 4.125%
HK$69,760
baseline
▲ 0.50% · 4.625%
HK$74,005
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,520/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,028
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$1,987/mo
Today · 4.125%
HK$76,974
baseline
▲ 0.50% · 4.625%
HK$81,031
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,948/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,749 · Scale 2, in force from 26 Feb 2026)