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$35,346
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$1,117/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,322
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,377
−HK$1,070/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,735
−HK$1,340/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,818
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,284/mo
Today · 4.125%
HK$49,736
baseline
▲ 0.50% · 4.625%
HK$52,358
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,472/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,485
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,024
−HK$1,564/mo
Today · 4.125%
HK$52,588
baseline
▲ 0.50% · 4.625%
HK$55,788
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,176/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,528
−HK$1,497/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,084
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,623
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,602
−HK$2,011/mo
Today · 4.125%
HK$67,613
baseline
▲ 0.50% · 4.625%
HK$71,727
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,226/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,780
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,678
−HK$1,926/mo
Today · 4.125%
HK$74,604
baseline
▲ 0.50% · 4.625%
HK$78,537
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,208/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,286 · Scale 2, in force from 26 Feb 2026)