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$35,322
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$1,117/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,069/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,601
+HK$2,183/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,704
−HK$1,340/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,154
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,419
−HK$1,282/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,321
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,450
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,563/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,749
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,013
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,488
−HK$1,497/mo
Today · 4.125%
HK$57,985
baseline
▲ 0.50% · 4.625%
HK$61,042
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,970/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,579
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,557
−HK$2,009/mo
Today · 4.125%
HK$67,566
baseline
▲ 0.50% · 4.625%
HK$71,677
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,132/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,731
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,628
−HK$1,924/mo
Today · 4.125%
HK$74,552
baseline
▲ 0.50% · 4.625%
HK$78,482
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,104/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,882 · Scale 2, in force from 26 Feb 2026)