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$35,346
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,445
−HK$1,117/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,322
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,070/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,734
−HK$1,341/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,817
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,186
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,283/mo
Today · 4.125%
HK$49,735
baseline
▲ 0.50% · 4.625%
HK$52,357
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,470/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,484
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,564/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,498/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,622
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,601
−HK$2,011/mo
Today · 4.125%
HK$67,612
baseline
▲ 0.50% · 4.625%
HK$71,726
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,224/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,779
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,677
−HK$1,926/mo
Today · 4.125%
HK$74,603
baseline
▲ 0.50% · 4.625%
HK$78,536
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,206/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,280 · Scale 2, in force from 26 Feb 2026)