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$35,353
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$1,117/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,385
−HK$1,070/mo
Today · 4.125%
HK$41,455
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,910/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,423
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,341/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,196
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,285/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,494
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,034
−HK$1,564/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,798
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,062
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,498/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,635
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,615
−HK$2,011/mo
Today · 4.125%
HK$67,626
baseline
▲ 0.50% · 4.625%
HK$71,741
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,252/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,794
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,692
−HK$1,926/mo
Today · 4.125%
HK$74,618
baseline
▲ 0.50% · 4.625%
HK$78,552
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,236/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,397 · Scale 2, in force from 26 Feb 2026)