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$36,499
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$1,154/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,104/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,054
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,384/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,726
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,326/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,688
−HK$1,615/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,607
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,846
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,547/mo
Today · 4.125%
HK$59,918
baseline
▲ 0.50% · 4.625%
HK$63,076
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,836/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,741
−HK$2,077/mo
Today · 4.125%
HK$69,818
baseline
▲ 0.50% · 4.625%
HK$74,066
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,636/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,088
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$1,989/mo
Today · 4.125%
HK$77,037
baseline
▲ 0.50% · 4.625%
HK$81,098
+HK$4,061/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,074/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,243 · Scale 2, in force from 26 Feb 2026)