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$35,332
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$1,116/mo
Today · 4.125%
HK$37,547
baseline
▲ 0.50% · 4.625%
HK$39,832
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,094/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,306
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,360
−HK$1,070/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,340/mo
Today · 4.125%
HK$45,057
baseline
▲ 0.50% · 4.625%
HK$47,799
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,114/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,168
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,283/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,465
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$51,003
−HK$1,563/mo
Today · 4.125%
HK$52,566
baseline
▲ 0.50% · 4.625%
HK$55,765
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,132/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,029
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,505
−HK$1,497/mo
Today · 4.125%
HK$58,002
baseline
▲ 0.50% · 4.625%
HK$61,059
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,004/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,597
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,576
−HK$2,009/mo
Today · 4.125%
HK$67,585
baseline
▲ 0.50% · 4.625%
HK$71,698
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,170/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,649
−HK$1,925/mo
Today · 4.125%
HK$74,574
baseline
▲ 0.50% · 4.625%
HK$78,505
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,148/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,051 · Scale 2, in force from 26 Feb 2026)