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$36,468
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$1,152/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,658
−HK$1,104/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,122
−HK$1,383/mo
Today · 4.125%
HK$46,505
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,010/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,989
−HK$1,325/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,019
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,643
−HK$1,613/mo
Today · 4.125%
HK$54,256
baseline
▲ 0.50% · 4.625%
HK$57,558
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,512/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,798
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,545/mo
Today · 4.125%
HK$59,866
baseline
▲ 0.50% · 4.625%
HK$63,022
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,642
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,683
−HK$2,075/mo
Today · 4.125%
HK$69,758
baseline
▲ 0.50% · 4.625%
HK$74,003
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,516/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,026
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,984
−HK$1,987/mo
Today · 4.125%
HK$76,971
baseline
▲ 0.50% · 4.625%
HK$81,028
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,942/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,728 · Scale 2, in force from 26 Feb 2026)