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$35,350
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$1,117/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,853
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,327
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,070/mo
Today · 4.125%
HK$41,452
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,904/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,420
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,340/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,192
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,284/mo
Today · 4.125%
HK$49,742
baseline
▲ 0.50% · 4.625%
HK$52,364
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,484/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,490
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,030
−HK$1,564/mo
Today · 4.125%
HK$52,594
baseline
▲ 0.50% · 4.625%
HK$55,794
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,188/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,534
−HK$1,498/mo
Today · 4.125%
HK$58,032
baseline
▲ 0.50% · 4.625%
HK$61,091
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,064/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,630
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,610
−HK$2,011/mo
Today · 4.125%
HK$67,621
baseline
▲ 0.50% · 4.625%
HK$71,735
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,242/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,788
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,687
−HK$1,926/mo
Today · 4.125%
HK$74,613
baseline
▲ 0.50% · 4.625%
HK$78,546
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,226/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,354 · Scale 2, in force from 26 Feb 2026)