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$35,338
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,437
−HK$1,117/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,839
+HK$2,285/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,313
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,368
−HK$1,069/mo
Today · 4.125%
HK$41,437
baseline
▲ 0.50% · 4.625%
HK$43,622
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,874/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,406
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,725
−HK$1,340/mo
Today · 4.125%
HK$45,065
baseline
▲ 0.50% · 4.625%
HK$47,807
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,130/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,176
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,441
−HK$1,284/mo
Today · 4.125%
HK$49,725
baseline
▲ 0.50% · 4.625%
HK$52,346
+HK$2,621/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,450/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,473
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,564/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$3,199/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,497/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,058/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,609
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,587
−HK$2,011/mo
Today · 4.125%
HK$67,598
baseline
▲ 0.50% · 4.625%
HK$71,711
+HK$4,113/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,196/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,764
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,662
−HK$1,925/mo
Today · 4.125%
HK$74,587
baseline
▲ 0.50% · 4.625%
HK$78,519
+HK$3,932/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,174/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,155 · Scale 2, in force from 26 Feb 2026)