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$35,325
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$1,117/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,069/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,709
−HK$1,340/mo
Today · 4.125%
HK$45,049
baseline
▲ 0.50% · 4.625%
HK$47,790
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,098/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,159
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,283/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,327
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,994
−HK$1,563/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,019
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,497/mo
Today · 4.125%
HK$57,991
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,982/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,586
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,564
−HK$2,009/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,685
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,738
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,636
−HK$1,924/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$78,490
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,945 · Scale 2, in force from 26 Feb 2026)