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$35,345
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,445
−HK$1,117/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,847
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,321
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,070/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,630
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,734
−HK$1,340/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,817
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,185
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,451
−HK$1,284/mo
Today · 4.125%
HK$49,735
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,470/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,483
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,563/mo
Today · 4.125%
HK$52,586
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,172/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,498/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,600
−HK$2,011/mo
Today · 4.125%
HK$67,611
baseline
▲ 0.50% · 4.625%
HK$71,725
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,222/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,778
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$1,926/mo
Today · 4.125%
HK$74,602
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,204/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,271 · Scale 2, in force from 26 Feb 2026)