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$35,335
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,434
−HK$1,117/mo
Today · 4.125%
HK$37,551
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,102/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,310
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,069/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,618
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,721
−HK$1,340/mo
Today · 4.125%
HK$45,061
baseline
▲ 0.50% · 4.625%
HK$47,803
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,122/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,172
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,437
−HK$1,284/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,342
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,470
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,008
−HK$1,564/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,771
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,034
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,510
−HK$1,498/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,065
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,016/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,604
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$2,010/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,705
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,758
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$1,925/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$78,513
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,109 · Scale 2, in force from 26 Feb 2026)