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$35,343
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$1,117/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,845
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,319
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,070/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,628
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,412
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,341/mo
Today · 4.125%
HK$45,072
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,144/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,183
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,284/mo
Today · 4.125%
HK$49,732
baseline
▲ 0.50% · 4.625%
HK$52,354
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,464/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,481
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,020
−HK$1,564/mo
Today · 4.125%
HK$52,584
baseline
▲ 0.50% · 4.625%
HK$55,783
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,168/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,047
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,523
−HK$1,498/mo
Today · 4.125%
HK$58,021
baseline
▲ 0.50% · 4.625%
HK$61,079
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,042/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,618
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,597
−HK$2,011/mo
Today · 4.125%
HK$67,608
baseline
▲ 0.50% · 4.625%
HK$71,721
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,216/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,775
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,673
−HK$1,925/mo
Today · 4.125%
HK$74,598
baseline
▲ 0.50% · 4.625%
HK$78,530
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,196/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,242 · Scale 2, in force from 26 Feb 2026)