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$35,330
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$1,117/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,069/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,612
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,396
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,715
−HK$1,340/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,796
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,165
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,283/mo
Today · 4.125%
HK$49,713
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,426/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,462
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,001
−HK$1,563/mo
Today · 4.125%
HK$52,564
baseline
▲ 0.50% · 4.625%
HK$55,762
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,128/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,026
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,497/mo
Today · 4.125%
HK$57,999
baseline
▲ 0.50% · 4.625%
HK$61,056
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$115,998/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,594
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,572
−HK$2,010/mo
Today · 4.125%
HK$67,582
baseline
▲ 0.50% · 4.625%
HK$71,694
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,164/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,748
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,645
−HK$1,925/mo
Today · 4.125%
HK$74,570
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,140/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,023 · Scale 2, in force from 26 Feb 2026)