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$36,497
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$1,153/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$41,145
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,602
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,691
−HK$1,105/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,052
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,796
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,384/mo
Today · 4.125%
HK$46,542
baseline
▲ 0.50% · 4.625%
HK$49,374
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,084/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,723
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,029
−HK$1,326/mo
Today · 4.125%
HK$51,355
baseline
▲ 0.50% · 4.625%
HK$54,062
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,710/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,095
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,685
−HK$1,615/mo
Today · 4.125%
HK$54,300
baseline
▲ 0.50% · 4.625%
HK$57,604
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,600/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,843
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,368
−HK$1,546/mo
Today · 4.125%
HK$59,914
baseline
▲ 0.50% · 4.625%
HK$63,072
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,828/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,738
−HK$2,076/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$74,062
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,084
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$1,989/mo
Today · 4.125%
HK$77,033
baseline
▲ 0.50% · 4.625%
HK$81,093
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,066/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,208 · Scale 2, in force from 26 Feb 2026)