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$35,362
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$1,118/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,866
+HK$2,286/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$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,340
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,071/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,651
+HK$2,185/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$581,551 · 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$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,208
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,474
−HK$1,285/mo
Today · 4.125%
HK$49,759
baseline
▲ 0.50% · 4.625%
HK$52,381
+HK$2,622/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$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,565/mo
Today · 4.125%
HK$52,612
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$3,201/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$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,499/mo
Today · 4.125%
HK$58,052
baseline
▲ 0.50% · 4.625%
HK$61,112
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,104/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,652
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,632
−HK$2,012/mo
Today · 4.125%
HK$67,644
baseline
▲ 0.50% · 4.625%
HK$71,759
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,288/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,812
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,711
−HK$1,927/mo
Today · 4.125%
HK$74,638
baseline
▲ 0.50% · 4.625%
HK$78,572
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,276/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,551 · Scale 2, in force from 26 Feb 2026)