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$35,361
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$1,118/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,865
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,071/mo
Today · 4.125%
HK$41,465
baseline
▲ 0.50% · 4.625%
HK$43,650
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,930/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,754
−HK$1,341/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,838
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,284/mo
Today · 4.125%
HK$49,757
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,514/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,506
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,046
−HK$1,564/mo
Today · 4.125%
HK$52,610
baseline
▲ 0.50% · 4.625%
HK$55,812
+HK$3,202/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,220/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,075
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,552
−HK$1,498/mo
Today · 4.125%
HK$58,050
baseline
▲ 0.50% · 4.625%
HK$61,110
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,100/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$2,012/mo
Today · 4.125%
HK$67,642
baseline
▲ 0.50% · 4.625%
HK$71,758
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,284/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,810
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,710
−HK$1,926/mo
Today · 4.125%
HK$74,636
baseline
▲ 0.50% · 4.625%
HK$78,570
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,272/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,536 · Scale 2, in force from 26 Feb 2026)