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$36,482
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$1,153/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,585
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,674
−HK$1,104/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,033
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,778
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,383/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$49,354
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,702
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,325/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,040
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,074
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,614/mo
Today · 4.125%
HK$54,277
baseline
▲ 0.50% · 4.625%
HK$57,580
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,554/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,343
−HK$1,546/mo
Today · 4.125%
HK$59,889
baseline
▲ 0.50% · 4.625%
HK$63,046
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,778/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,667
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,709
−HK$2,076/mo
Today · 4.125%
HK$69,785
baseline
▲ 0.50% · 4.625%
HK$74,031
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,570/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,054
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,013
−HK$1,988/mo
Today · 4.125%
HK$77,001
baseline
▲ 0.50% · 4.625%
HK$81,059
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,002/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,959 · Scale 2, in force from 26 Feb 2026)