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$36,472
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,607
−HK$1,152/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$41,118
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,575
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,104/mo
Today · 4.125%
HK$42,767
baseline
▲ 0.50% · 4.625%
HK$45,022
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,534/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,767
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,383/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,325/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,061
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,649
−HK$1,614/mo
Today · 4.125%
HK$54,263
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,526/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,805
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,545/mo
Today · 4.125%
HK$59,874
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,748/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,650
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,692
−HK$2,075/mo
Today · 4.125%
HK$69,767
baseline
▲ 0.50% · 4.625%
HK$74,012
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,534/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,035
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,994
−HK$1,987/mo
Today · 4.125%
HK$76,981
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,962/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,806 · Scale 2, in force from 26 Feb 2026)