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$35,355
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,118/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,332
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,070/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,341/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,829
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,284/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,497
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,036
−HK$1,564/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,064
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,498/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,099
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,638
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,618
−HK$2,011/mo
Today · 4.125%
HK$67,629
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,258/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,696
−HK$1,926/mo
Today · 4.125%
HK$74,622
baseline
▲ 0.50% · 4.625%
HK$78,555
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,244/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,426 · Scale 2, in force from 26 Feb 2026)