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$35,357
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$1,117/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$2,287/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,070/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,645
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,748
−HK$1,341/mo
Today · 4.125%
HK$45,089
baseline
▲ 0.50% · 4.625%
HK$47,833
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,178/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,201
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,467
−HK$1,284/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,374
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,500
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,564/mo
Today · 4.125%
HK$52,604
baseline
▲ 0.50% · 4.625%
HK$55,805
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,208/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,498/mo
Today · 4.125%
HK$58,043
baseline
▲ 0.50% · 4.625%
HK$61,103
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,086/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,643
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$2,012/mo
Today · 4.125%
HK$67,634
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,268/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,802
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$1,926/mo
Today · 4.125%
HK$74,627
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,254/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,465 · Scale 2, in force from 26 Feb 2026)