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$33,052
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,080
−HK$1,045/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,001/mo
Today · 4.125%
HK$38,757
baseline
▲ 0.50% · 4.625%
HK$40,799
+HK$2,042/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,514/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,662
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,896
−HK$1,254/mo
Today · 4.125%
HK$42,150
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,300/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,201/mo
Today · 4.125%
HK$46,508
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,016/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,273
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,462/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$52,167
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,400/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,119
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,494
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,344
−HK$1,880/mo
Today · 4.125%
HK$63,224
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,448/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,186
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,961
−HK$1,801/mo
Today · 4.125%
HK$69,762
baseline
▲ 0.50% · 4.625%
HK$73,439
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,524/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,557 · Scale 2, in force from 26 Feb 2026)