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$36,471
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$1,152/mo
Today · 4.125%
HK$38,758
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,516/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,104/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,127
−HK$1,383/mo
Today · 4.125%
HK$46,510
baseline
▲ 0.50% · 4.625%
HK$49,340
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,020/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,994
−HK$1,325/mo
Today · 4.125%
HK$51,319
baseline
▲ 0.50% · 4.625%
HK$54,024
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,638/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,060
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,648
−HK$1,613/mo
Today · 4.125%
HK$54,261
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,522/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,803
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,327
−HK$1,545/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,648
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$2,075/mo
Today · 4.125%
HK$69,765
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,530/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,033
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$1,987/mo
Today · 4.125%
HK$76,978
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,956/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,787 · Scale 2, in force from 26 Feb 2026)