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$36,439
−HK$1,117/mo
Today · 4.125%
HK$37,556
baseline
▲ 0.50% · 4.625%
HK$39,841
+HK$2,285/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$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,315
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,070/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,727
−HK$1,340/mo
Today · 4.125%
HK$45,067
baseline
▲ 0.50% · 4.625%
HK$47,809
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,134/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,178
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,284/mo
Today · 4.125%
HK$49,727
baseline
▲ 0.50% · 4.625%
HK$52,348
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,454/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,564/mo
Today · 4.125%
HK$52,578
baseline
▲ 0.50% · 4.625%
HK$55,777
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,156/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,041
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,517
−HK$1,498/mo
Today · 4.125%
HK$58,015
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,030/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,611
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,590
−HK$2,010/mo
Today · 4.125%
HK$67,600
baseline
▲ 0.50% · 4.625%
HK$71,713
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,200/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,767
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,665
−HK$1,925/mo
Today · 4.125%
HK$74,590
baseline
▲ 0.50% · 4.625%
HK$78,522
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,180/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,177 · Scale 2, in force from 26 Feb 2026)