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$36,474
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,608
−HK$1,153/mo
Today · 4.125%
HK$38,761
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,522/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,577
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,665
−HK$1,104/mo
Today · 4.125%
HK$42,769
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,538/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,130
−HK$1,383/mo
Today · 4.125%
HK$46,513
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,026/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,692
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,998
−HK$1,325/mo
Today · 4.125%
HK$51,323
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,646/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,614/mo
Today · 4.125%
HK$54,266
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$3,302/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,532/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,546/mo
Today · 4.125%
HK$59,877
baseline
▲ 0.50% · 4.625%
HK$63,033
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,754/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,653
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,695
−HK$2,075/mo
Today · 4.125%
HK$69,770
baseline
▲ 0.50% · 4.625%
HK$74,015
+HK$4,245/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,540/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,038
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,997
−HK$1,987/mo
Today · 4.125%
HK$76,984
baseline
▲ 0.50% · 4.625%
HK$81,042
+HK$4,058/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$153,968/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,833 · Scale 2, in force from 26 Feb 2026)