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$35,345
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,444
−HK$1,117/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,847
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,321
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,070/mo
Today · 4.125%
HK$41,445
baseline
▲ 0.50% · 4.625%
HK$43,630
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,890/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,341/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,816
+HK$2,742/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,185
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,450
−HK$1,284/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,483
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,022
−HK$1,564/mo
Today · 4.125%
HK$52,586
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,172/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,049
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,497/mo
Today · 4.125%
HK$58,023
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,046/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,600
−HK$2,010/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$4,114/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,778
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$1,925/mo
Today · 4.125%
HK$74,601
baseline
▲ 0.50% · 4.625%
HK$78,534
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,202/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,266 · Scale 2, in force from 26 Feb 2026)