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$35,363
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,463
−HK$1,117/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$2,287/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,070/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,652
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,932/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,435
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,755
−HK$1,341/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,840
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,209
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,475
−HK$1,284/mo
Today · 4.125%
HK$49,759
baseline
▲ 0.50% · 4.625%
HK$52,382
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,518/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,508
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,048
−HK$1,564/mo
Today · 4.125%
HK$52,612
baseline
▲ 0.50% · 4.625%
HK$55,814
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,224/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,077
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,554
−HK$1,499/mo
Today · 4.125%
HK$58,053
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,106/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,653
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,633
−HK$2,012/mo
Today · 4.125%
HK$67,645
baseline
▲ 0.50% · 4.625%
HK$71,761
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,290/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,813
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,713
−HK$1,926/mo
Today · 4.125%
HK$74,639
baseline
▲ 0.50% · 4.625%
HK$78,573
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,278/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,560 · Scale 2, in force from 26 Feb 2026)