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$36,478
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$1,153/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$41,125
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,582
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,104/mo
Today · 4.125%
HK$42,774
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,548/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,136
−HK$1,383/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$49,350
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,325/mo
Today · 4.125%
HK$51,329
baseline
▲ 0.50% · 4.625%
HK$54,035
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,658/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,070
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,658
−HK$1,614/mo
Today · 4.125%
HK$54,272
baseline
▲ 0.50% · 4.625%
HK$57,575
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,544/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,815
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,338
−HK$1,546/mo
Today · 4.125%
HK$59,884
baseline
▲ 0.50% · 4.625%
HK$63,041
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,768/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,661
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$2,075/mo
Today · 4.125%
HK$69,779
baseline
▲ 0.50% · 4.625%
HK$74,025
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,558/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,047
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,007
−HK$1,987/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,052
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,908 · Scale 2, in force from 26 Feb 2026)