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$35,339
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,438
−HK$1,117/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,314
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,069/mo
Today · 4.125%
HK$41,438
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,876/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,340/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,177
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,442
−HK$1,284/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,347
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,563/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,498/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,610
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,589
−HK$2,010/mo
Today · 4.125%
HK$67,599
baseline
▲ 0.50% · 4.625%
HK$71,712
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,198/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,766
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,664
−HK$1,925/mo
Today · 4.125%
HK$74,589
baseline
▲ 0.50% · 4.625%
HK$78,521
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,178/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,169 · Scale 2, in force from 26 Feb 2026)