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$36,472
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$1,153/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$41,117
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,104/mo
Today · 4.125%
HK$42,767
baseline
▲ 0.50% · 4.625%
HK$45,021
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,534/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,766
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,127
−HK$1,384/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,689
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,995
−HK$1,325/mo
Today · 4.125%
HK$51,320
baseline
▲ 0.50% · 4.625%
HK$54,025
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,640/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,060
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,649
−HK$1,613/mo
Today · 4.125%
HK$54,262
baseline
▲ 0.50% · 4.625%
HK$57,564
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,524/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,804
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,328
−HK$1,545/mo
Today · 4.125%
HK$59,873
baseline
▲ 0.50% · 4.625%
HK$63,029
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,746/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,691
−HK$2,075/mo
Today · 4.125%
HK$69,766
baseline
▲ 0.50% · 4.625%
HK$74,011
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,532/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,034
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,993
−HK$1,987/mo
Today · 4.125%
HK$76,980
baseline
▲ 0.50% · 4.625%
HK$81,037
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,960/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,796 · Scale 2, in force from 26 Feb 2026)