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$35,344
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$1,117/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,846
+HK$2,286/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$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,320
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,070/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,629
+HK$2,185/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$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,413
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,732
−HK$1,340/mo
Today · 4.125%
HK$45,072
baseline
▲ 0.50% · 4.625%
HK$47,815
+HK$2,743/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$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,184
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,449
−HK$1,284/mo
Today · 4.125%
HK$49,733
baseline
▲ 0.50% · 4.625%
HK$52,355
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,466/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,482
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,021
−HK$1,564/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,048
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,524
−HK$1,498/mo
Today · 4.125%
HK$58,022
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,044/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,619
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,598
−HK$2,011/mo
Today · 4.125%
HK$67,609
baseline
▲ 0.50% · 4.625%
HK$71,723
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,218/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,776
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,674
−HK$1,926/mo
Today · 4.125%
HK$74,600
baseline
▲ 0.50% · 4.625%
HK$78,532
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,200/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,251 · Scale 2, in force from 26 Feb 2026)