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$36,489
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,624
−HK$1,153/mo
Today · 4.125%
HK$38,777
baseline
▲ 0.50% · 4.625%
HK$41,137
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,554/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,594
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,683
−HK$1,104/mo
Today · 4.125%
HK$42,787
baseline
▲ 0.50% · 4.625%
HK$45,042
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,574/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,787
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,149
−HK$1,384/mo
Today · 4.125%
HK$46,533
baseline
▲ 0.50% · 4.625%
HK$49,364
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,066/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,713
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,019
−HK$1,325/mo
Today · 4.125%
HK$51,344
baseline
▲ 0.50% · 4.625%
HK$54,051
+HK$2,707/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,688/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,085
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,674
−HK$1,614/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$3,304/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,356
−HK$1,546/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,681
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,724
−HK$2,075/mo
Today · 4.125%
HK$69,799
baseline
▲ 0.50% · 4.625%
HK$74,046
+HK$4,247/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,598/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,069
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,029
−HK$1,988/mo
Today · 4.125%
HK$77,017
baseline
▲ 0.50% · 4.625%
HK$81,076
+HK$4,059/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,034/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,085 · Scale 2, in force from 26 Feb 2026)