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$2,288/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$1,153/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,359/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,586
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,104/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,034
+HK$2,255/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,384/mo
Today · 4.125%
HK$46,524
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,831/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$93,048/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,703
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,326/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,040
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.60M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,075
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,664
−HK$1,614/mo
Today · 4.125%
HK$54,278
baseline
▲ 0.50% · 4.625%
HK$57,581
+HK$3,303/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$108,556/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,344
−HK$1,546/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,047
+HK$3,157/mo
Deposit HK$4.80M · loan HK$11.20M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,668
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,711
−HK$2,075/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$74,032
+HK$4,246/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,055
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,014
−HK$1,988/mo
Today · 4.125%
HK$77,002
baseline
▲ 0.50% · 4.625%
HK$81,061
+HK$4,059/mo
Deposit HK$1.60M · loan HK$14.40M · min. income ≈ HK$154,004/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,969 · Scale 2, in force from 26 Feb 2026)