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$35,364
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$1,117/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$2,287/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,342
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,070/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,653
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,437
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,341/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,842
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,210
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,285/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,384
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,565/mo
Today · 4.125%
HK$52,614
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,228/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,079
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,556
−HK$1,498/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,115
+HK$3,061/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,655
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$2,012/mo
Today · 4.125%
HK$67,647
baseline
▲ 0.50% · 4.625%
HK$71,763
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,294/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,815
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,715
−HK$1,926/mo
Today · 4.125%
HK$74,641
baseline
▲ 0.50% · 4.625%
HK$78,576
+HK$3,935/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,282/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,577 · Scale 2, in force from 26 Feb 2026)