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$35,337
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$1,117/mo
Today · 4.125%
HK$37,553
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,106/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,069/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,620
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,405
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,340/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,806
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,175
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,440
−HK$1,284/mo
Today · 4.125%
HK$49,724
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,448/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,472
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,011
−HK$1,563/mo
Today · 4.125%
HK$52,574
baseline
▲ 0.50% · 4.625%
HK$55,774
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,148/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,037
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,513
−HK$1,498/mo
Today · 4.125%
HK$58,011
baseline
▲ 0.50% · 4.625%
HK$61,069
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,022/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,607
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$2,010/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,762
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$1,925/mo
Today · 4.125%
HK$74,585
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,170/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,140 · Scale 2, in force from 26 Feb 2026)