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$35,364
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$1,118/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$2,287/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,343
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,398
−HK$1,070/mo
Today · 4.125%
HK$41,468
baseline
▲ 0.50% · 4.625%
HK$43,654
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,936/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,437
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,341/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,745/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,211
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,477
−HK$1,285/mo
Today · 4.125%
HK$49,762
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.31M · min. income ≈ HK$99,524/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,565/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,080
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,557
−HK$1,498/mo
Today · 4.125%
HK$58,055
baseline
▲ 0.50% · 4.625%
HK$61,115
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.86M · min. income ≈ HK$116,110/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,656
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,636
−HK$2,012/mo
Today · 4.125%
HK$67,648
baseline
▲ 0.50% · 4.625%
HK$71,764
+HK$4,116/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,296/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,817
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,716
−HK$1,927/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$78,577
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,586 · Scale 2, in force from 26 Feb 2026)