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$36,485
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$1,153/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,105/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,384/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,707
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,325/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,079
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,667
−HK$1,615/mo
Today · 4.125%
HK$54,282
baseline
▲ 0.50% · 4.625%
HK$57,585
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,564/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,824
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,348
−HK$1,546/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,052
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,672
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,715
−HK$2,076/mo
Today · 4.125%
HK$69,791
baseline
▲ 0.50% · 4.625%
HK$74,037
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,582/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,060
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,019
−HK$1,988/mo
Today · 4.125%
HK$77,007
baseline
▲ 0.50% · 4.625%
HK$81,066
+HK$4,059/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,014/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,010 · Scale 2, in force from 26 Feb 2026)