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$36,506
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$1,153/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,361/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,807
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,170
−HK$1,384/mo
Today · 4.125%
HK$46,554
baseline
▲ 0.50% · 4.625%
HK$49,387
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,108/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,735
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,042
−HK$1,326/mo
Today · 4.125%
HK$51,368
baseline
▲ 0.50% · 4.625%
HK$54,076
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,736/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,108
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,698
−HK$1,615/mo
Today · 4.125%
HK$54,313
baseline
▲ 0.50% · 4.625%
HK$57,618
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,626/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,858
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,383
−HK$1,547/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,088
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,711
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,755
−HK$2,077/mo
Today · 4.125%
HK$69,832
baseline
▲ 0.50% · 4.625%
HK$74,081
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,664/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,103
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$1,989/mo
Today · 4.125%
HK$77,052
baseline
▲ 0.50% · 4.625%
HK$81,114
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,104/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,362 · Scale 2, in force from 26 Feb 2026)