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$36,466
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$1,152/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,358/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,568
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,103/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,759
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,120
−HK$1,383/mo
Today · 4.125%
HK$46,503
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,829/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,006/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,987
−HK$1,324/mo
Today · 4.125%
HK$51,311
baseline
▲ 0.50% · 4.625%
HK$54,016
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,622/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,052
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,613/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,795
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,318
−HK$1,545/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,019
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,638
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,680
−HK$2,074/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,999
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,022
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,980
−HK$1,987/mo
Today · 4.125%
HK$76,967
baseline
▲ 0.50% · 4.625%
HK$81,024
+HK$4,057/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,934/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,698 · Scale 2, in force from 26 Feb 2026)