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$35,354
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,117/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,331
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,070/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,641
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,341/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,743/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,463
−HK$1,284/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,495
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,564/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,800
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,063
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,540
−HK$1,498/mo
Today · 4.125%
HK$58,038
baseline
▲ 0.50% · 4.625%
HK$61,097
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,076/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,637
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,616
−HK$2,012/mo
Today · 4.125%
HK$67,628
baseline
▲ 0.50% · 4.625%
HK$71,743
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,256/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,796
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,694
−HK$1,926/mo
Today · 4.125%
HK$74,620
baseline
▲ 0.50% · 4.625%
HK$78,554
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,240/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,414 · Scale 2, in force from 26 Feb 2026)