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$35,322
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$1,116/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,069/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,387
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,705
−HK$1,340/mo
Today · 4.125%
HK$45,045
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,740/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,090/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,155
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,419
−HK$1,283/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,451
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,989
−HK$1,563/mo
Today · 4.125%
HK$52,552
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,104/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,014
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,489
−HK$1,497/mo
Today · 4.125%
HK$57,986
baseline
▲ 0.50% · 4.625%
HK$61,042
+HK$3,056/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,972/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,580
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,557
−HK$2,010/mo
Today · 4.125%
HK$67,567
baseline
▲ 0.50% · 4.625%
HK$71,678
+HK$4,111/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,134/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,732
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,629
−HK$1,924/mo
Today · 4.125%
HK$74,553
baseline
▲ 0.50% · 4.625%
HK$78,483
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,106/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,891 · Scale 2, in force from 26 Feb 2026)