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$36,480
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$1,153/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$41,127
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,584
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,672
−HK$1,104/mo
Today · 4.125%
HK$42,776
baseline
▲ 0.50% · 4.625%
HK$45,031
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,552/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,138
−HK$1,383/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$49,352
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,007
−HK$1,325/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,661
−HK$1,614/mo
Today · 4.125%
HK$54,275
baseline
▲ 0.50% · 4.625%
HK$57,577
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,550/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,817
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,341
−HK$1,546/mo
Today · 4.125%
HK$59,887
baseline
▲ 0.50% · 4.625%
HK$63,044
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,774/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,664
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$2,075/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$1,988/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,056
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,936 · Scale 2, in force from 26 Feb 2026)