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$35,327
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,116/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,069/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,392
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,340/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,161
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,426
−HK$1,283/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,329
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,458
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,996
−HK$1,563/mo
Today · 4.125%
HK$52,559
baseline
▲ 0.50% · 4.625%
HK$55,757
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,118/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,021
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,497/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,051
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,588
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,566
−HK$2,010/mo
Today · 4.125%
HK$67,576
baseline
▲ 0.50% · 4.625%
HK$71,688
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,152/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,741
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,639
−HK$1,924/mo
Today · 4.125%
HK$74,563
baseline
▲ 0.50% · 4.625%
HK$78,494
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,126/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,969 · Scale 2, in force from 26 Feb 2026)