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$35,328
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,117/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,069/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,183/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,850/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,393
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,712
−HK$1,340/mo
Today · 4.125%
HK$45,052
baseline
▲ 0.50% · 4.625%
HK$47,793
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,104/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,162
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,427
−HK$1,283/mo
Today · 4.125%
HK$49,710
baseline
▲ 0.50% · 4.625%
HK$52,330
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,420/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,459
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,997
−HK$1,563/mo
Today · 4.125%
HK$52,560
baseline
▲ 0.50% · 4.625%
HK$55,758
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,120/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,022
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,497/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,052
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$2,009/mo
Today · 4.125%
HK$67,577
baseline
▲ 0.50% · 4.625%
HK$71,689
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,154/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,743
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,640
−HK$1,925/mo
Today · 4.125%
HK$74,565
baseline
▲ 0.50% · 4.625%
HK$78,495
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,130/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,981 · Scale 2, in force from 26 Feb 2026)