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$35,358
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$1,118/mo
Today · 4.125%
HK$37,576
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,152/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,070/mo
Today · 4.125%
HK$41,461
baseline
▲ 0.50% · 4.625%
HK$43,647
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,922/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,750
−HK$1,341/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,834
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,469
−HK$1,284/mo
Today · 4.125%
HK$49,753
baseline
▲ 0.50% · 4.625%
HK$52,376
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,506/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,502
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,042
−HK$1,564/mo
Today · 4.125%
HK$52,606
baseline
▲ 0.50% · 4.625%
HK$55,807
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,212/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,070
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,498/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,105
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,645
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,625
−HK$2,011/mo
Today · 4.125%
HK$67,636
baseline
▲ 0.50% · 4.625%
HK$71,752
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,272/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,805
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,703
−HK$1,927/mo
Today · 4.125%
HK$74,630
baseline
▲ 0.50% · 4.625%
HK$78,564
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,260/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,488 · Scale 2, in force from 26 Feb 2026)