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$35,333
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$1,116/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,307
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,069/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,340/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,800
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,169
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,283/mo
Today · 4.125%
HK$49,717
baseline
▲ 0.50% · 4.625%
HK$52,338
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,434/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,466
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,564/mo
Today · 4.125%
HK$52,568
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,136/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,030
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,506
−HK$1,497/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,061
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$2,010/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,700
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,651
−HK$1,925/mo
Today · 4.125%
HK$74,576
baseline
▲ 0.50% · 4.625%
HK$78,507
+HK$3,931/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,152/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,065 · Scale 2, in force from 26 Feb 2026)