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$35,325
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$1,116/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,070/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,605
+HK$2,183/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,708
−HK$1,340/mo
Today · 4.125%
HK$45,048
baseline
▲ 0.50% · 4.625%
HK$47,789
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,096/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,158
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,283/mo
Today · 4.125%
HK$49,706
baseline
▲ 0.50% · 4.625%
HK$52,326
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,412/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,993
−HK$1,563/mo
Today · 4.125%
HK$52,556
baseline
▲ 0.50% · 4.625%
HK$55,754
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,112/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,018
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,493
−HK$1,497/mo
Today · 4.125%
HK$57,990
baseline
▲ 0.50% · 4.625%
HK$61,047
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,980/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,563
−HK$2,009/mo
Today · 4.125%
HK$67,572
baseline
▲ 0.50% · 4.625%
HK$71,684
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,144/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,737
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,634
−HK$1,925/mo
Today · 4.125%
HK$74,559
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,118/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,936 · Scale 2, in force from 26 Feb 2026)