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$35,343
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$1,117/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,070/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,627
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,730
−HK$1,341/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,813
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,182
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,447
−HK$1,284/mo
Today · 4.125%
HK$49,731
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,462/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,564/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,046
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,498/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,078
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,617
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,596
−HK$2,010/mo
Today · 4.125%
HK$67,606
baseline
▲ 0.50% · 4.625%
HK$71,720
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,212/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,773
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,671
−HK$1,926/mo
Today · 4.125%
HK$74,597
baseline
▲ 0.50% · 4.625%
HK$78,529
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,194/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,230 · Scale 2, in force from 26 Feb 2026)