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$36,494
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,630
−HK$1,153/mo
Today · 4.125%
HK$38,783
baseline
▲ 0.50% · 4.625%
HK$41,143
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,566/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,600
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,105/mo
Today · 4.125%
HK$42,793
baseline
▲ 0.50% · 4.625%
HK$45,049
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,586/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,793
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,384/mo
Today · 4.125%
HK$46,539
baseline
▲ 0.50% · 4.625%
HK$49,371
+HK$2,832/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,078/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,720
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,026
−HK$1,326/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,059
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,092
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,681
−HK$1,615/mo
Today · 4.125%
HK$54,296
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,592/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,839
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,364
−HK$1,546/mo
Today · 4.125%
HK$59,910
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,820/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,733
−HK$2,076/mo
Today · 4.125%
HK$69,809
baseline
▲ 0.50% · 4.625%
HK$74,057
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,618/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,079
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,039
−HK$1,989/mo
Today · 4.125%
HK$77,028
baseline
▲ 0.50% · 4.625%
HK$81,088
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,056/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,169 · Scale 2, in force from 26 Feb 2026)