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$35,360
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,460
−HK$1,117/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$2,287/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,337
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,071/mo
Today · 4.125%
HK$41,463
baseline
▲ 0.50% · 4.625%
HK$43,648
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,926/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,432
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,752
−HK$1,341/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,836
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,205
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,284/mo
Today · 4.125%
HK$49,755
baseline
▲ 0.50% · 4.625%
HK$52,378
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,510/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,564/mo
Today · 4.125%
HK$52,608
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,216/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,549
−HK$1,499/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$2,012/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,807
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,706
−HK$1,927/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$78,567
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,510 · Scale 2, in force from 26 Feb 2026)