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$36,470
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$1,153/mo
Today · 4.125%
HK$38,757
baseline
▲ 0.50% · 4.625%
HK$41,115
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,514/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,572
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,660
−HK$1,104/mo
Today · 4.125%
HK$42,764
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,528/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,125
−HK$1,383/mo
Today · 4.125%
HK$46,508
baseline
▲ 0.50% · 4.625%
HK$49,338
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,016/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,687
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,325/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,022
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,058
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,646
−HK$1,613/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,561
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,801
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,324
−HK$1,546/mo
Today · 4.125%
HK$59,870
baseline
▲ 0.50% · 4.625%
HK$63,026
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,740/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,687
−HK$2,075/mo
Today · 4.125%
HK$69,762
baseline
▲ 0.50% · 4.625%
HK$74,007
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,524/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,030
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,988
−HK$1,987/mo
Today · 4.125%
HK$76,975
baseline
▲ 0.50% · 4.625%
HK$81,033
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,950/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,763 · Scale 2, in force from 26 Feb 2026)