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$36,493
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$1,153/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$41,141
+HK$2,360/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,104/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,256/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,154
−HK$1,384/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$49,369
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,717
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,024
−HK$1,326/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,056
+HK$2,706/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,090
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,679
−HK$1,615/mo
Today · 4.125%
HK$54,294
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,588/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,837
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,547/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,066
+HK$3,158/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,687
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,730
−HK$2,076/mo
Today · 4.125%
HK$69,806
baseline
▲ 0.50% · 4.625%
HK$74,054
+HK$4,248/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,612/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,076
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,036
−HK$1,988/mo
Today · 4.125%
HK$77,024
baseline
▲ 0.50% · 4.625%
HK$81,084
+HK$4,060/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,048/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,144 · Scale 2, in force from 26 Feb 2026)