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$36,462
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,596
−HK$1,153/mo
Today · 4.125%
HK$38,749
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,357/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$77,498/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,652
−HK$1,103/mo
Today · 4.125%
HK$42,755
baseline
▲ 0.50% · 4.625%
HK$45,009
+HK$2,254/mo
Deposit HK$8.00M · loan HK$8.00M · min. income ≈ HK$85,510/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,755
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,116
−HK$1,382/mo
Today · 4.125%
HK$46,498
baseline
▲ 0.50% · 4.625%
HK$49,328
+HK$2,830/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$92,996/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,677
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,982
−HK$1,324/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$2,705/mo
Deposit HK$6.40M · loan HK$9.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,613/mo
Today · 4.125%
HK$54,248
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$3,301/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,496/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,789
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,312
−HK$1,545/mo
Today · 4.125%
HK$59,857
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,156/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,714/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,632
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,673
−HK$2,075/mo
Today · 4.125%
HK$69,748
baseline
▲ 0.50% · 4.625%
HK$73,992
+HK$4,244/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,496/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,015
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,973
−HK$1,987/mo
Today · 4.125%
HK$76,960
baseline
▲ 0.50% · 4.625%
HK$81,016
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,920/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,640 · Scale 2, in force from 26 Feb 2026)