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$36,507
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$1,154/mo
Today · 4.125%
HK$38,796
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,361/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,592/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,257/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,384/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,736
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,043
−HK$1,326/mo
Today · 4.125%
HK$51,369
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,738/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,109
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,699
−HK$1,615/mo
Today · 4.125%
HK$54,314
baseline
▲ 0.50% · 4.625%
HK$57,619
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,628/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,859
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,383
−HK$1,547/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,089
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,712
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,756
−HK$2,077/mo
Today · 4.125%
HK$69,833
baseline
▲ 0.50% · 4.625%
HK$74,082
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,666/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,104
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,064
−HK$1,989/mo
Today · 4.125%
HK$77,053
baseline
▲ 0.50% · 4.625%
HK$81,115
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,106/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,371 · Scale 2, in force from 26 Feb 2026)