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$35,323
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,422
−HK$1,116/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$2,284/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,296
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,069/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,603
+HK$2,184/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,388
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,706
−HK$1,340/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,787
+HK$2,741/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,420
−HK$1,283/mo
Today · 4.125%
HK$49,703
baseline
▲ 0.50% · 4.625%
HK$52,323
+HK$2,620/mo
Deposit HK$6.20M · loan HK$9.29M · min. income ≈ HK$99,406/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,452
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,990
−HK$1,563/mo
Today · 4.125%
HK$52,553
baseline
▲ 0.50% · 4.625%
HK$55,751
+HK$3,198/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$105,106/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,497/mo
Today · 4.125%
HK$57,987
baseline
▲ 0.50% · 4.625%
HK$61,044
+HK$3,057/mo
Deposit HK$4.65M · loan HK$10.84M · min. income ≈ HK$115,974/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,581
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,559
−HK$2,009/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,680
+HK$4,112/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$135,136/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,734
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,631
−HK$1,924/mo
Today · 4.125%
HK$74,555
baseline
▲ 0.50% · 4.625%
HK$78,485
+HK$3,930/mo
Deposit HK$1.55M · loan HK$13.94M · min. income ≈ HK$149,110/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,905 · Scale 2, in force from 26 Feb 2026)