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$35,348
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,448
−HK$1,117/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,851
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,325
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,379
−HK$1,070/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,898/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,418
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,737
−HK$1,341/mo
Today · 4.125%
HK$45,078
baseline
▲ 0.50% · 4.625%
HK$47,821
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,156/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,190
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,455
−HK$1,284/mo
Today · 4.125%
HK$49,739
baseline
▲ 0.50% · 4.625%
HK$52,361
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,478/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,488
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,027
−HK$1,564/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,791
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,054
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,498/mo
Today · 4.125%
HK$58,029
baseline
▲ 0.50% · 4.625%
HK$61,088
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,058/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,627
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,606
−HK$2,011/mo
Today · 4.125%
HK$67,617
baseline
▲ 0.50% · 4.625%
HK$71,731
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,234/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,784
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,683
−HK$1,926/mo
Today · 4.125%
HK$74,609
baseline
▲ 0.50% · 4.625%
HK$78,541
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,218/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,321 · Scale 2, in force from 26 Feb 2026)