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$35,365
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$1,118/mo
Today · 4.125%
HK$37,583
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,166/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,343
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,398
−HK$1,071/mo
Today · 4.125%
HK$41,469
baseline
▲ 0.50% · 4.625%
HK$43,655
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,938/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,438
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,341/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,212
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,478
−HK$1,284/mo
Today · 4.125%
HK$49,762
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,524/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,511
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,051
−HK$1,565/mo
Today · 4.125%
HK$52,616
baseline
▲ 0.50% · 4.625%
HK$55,817
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,232/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,080
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,558
−HK$1,498/mo
Today · 4.125%
HK$58,056
baseline
▲ 0.50% · 4.625%
HK$61,116
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,112/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,657
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,637
−HK$2,012/mo
Today · 4.125%
HK$67,649
baseline
▲ 0.50% · 4.625%
HK$71,765
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,298/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,818
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,717
−HK$1,927/mo
Today · 4.125%
HK$74,644
baseline
▲ 0.50% · 4.625%
HK$78,578
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,288/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,595 · Scale 2, in force from 26 Feb 2026)