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$35,334
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,433
−HK$1,116/mo
Today · 4.125%
HK$37,549
baseline
▲ 0.50% · 4.625%
HK$39,834
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,098/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,308
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,070/mo
Today · 4.125%
HK$41,432
baseline
▲ 0.50% · 4.625%
HK$43,616
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,864/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,400
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,719
−HK$1,340/mo
Today · 4.125%
HK$45,059
baseline
▲ 0.50% · 4.625%
HK$47,801
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,118/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,170
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,283/mo
Today · 4.125%
HK$49,718
baseline
▲ 0.50% · 4.625%
HK$52,339
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,436/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,006
−HK$1,563/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,768
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,032
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,498/mo
Today · 4.125%
HK$58,005
baseline
▲ 0.50% · 4.625%
HK$61,062
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,010/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,600
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,579
−HK$2,010/mo
Today · 4.125%
HK$67,589
baseline
▲ 0.50% · 4.625%
HK$71,701
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,178/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,755
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$1,926/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$78,509
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,079 · Scale 2, in force from 26 Feb 2026)