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$35,329
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$1,117/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,829
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,303
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,357
−HK$1,070/mo
Today · 4.125%
HK$41,427
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,183/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,854/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,395
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,714
−HK$1,339/mo
Today · 4.125%
HK$45,053
baseline
▲ 0.50% · 4.625%
HK$47,795
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,106/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,164
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,429
−HK$1,283/mo
Today · 4.125%
HK$49,712
baseline
▲ 0.50% · 4.625%
HK$52,332
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,424/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,461
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,999
−HK$1,563/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,761
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,025
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,500
−HK$1,497/mo
Today · 4.125%
HK$57,997
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$115,994/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,592
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$2,010/mo
Today · 4.125%
HK$67,580
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,160/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,746
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,643
−HK$1,925/mo
Today · 4.125%
HK$74,568
baseline
▲ 0.50% · 4.625%
HK$78,499
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,136/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,006 · Scale 2, in force from 26 Feb 2026)