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$35,340
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$1,116/mo
Today · 4.125%
HK$37,556
baseline
▲ 0.50% · 4.625%
HK$39,842
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,112/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,316
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,370
−HK$1,070/mo
Today · 4.125%
HK$41,440
baseline
▲ 0.50% · 4.625%
HK$43,624
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,880/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,408
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,727
−HK$1,341/mo
Today · 4.125%
HK$45,068
baseline
▲ 0.50% · 4.625%
HK$47,810
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,136/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,179
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,444
−HK$1,284/mo
Today · 4.125%
HK$49,728
baseline
▲ 0.50% · 4.625%
HK$52,349
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,456/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,015
−HK$1,564/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,778
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,042
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,518
−HK$1,498/mo
Today · 4.125%
HK$58,016
baseline
▲ 0.50% · 4.625%
HK$61,074
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,032/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,612
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,591
−HK$2,011/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,715
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,768
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,666
−HK$1,926/mo
Today · 4.125%
HK$74,592
baseline
▲ 0.50% · 4.625%
HK$78,523
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,184/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,190 · Scale 2, in force from 26 Feb 2026)