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$33,063
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$1,045/mo
Today · 4.125%
HK$35,137
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,274/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,001/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$40,814
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,910
−HK$1,254/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,139
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,323
−HK$1,201/mo
Today · 4.125%
HK$46,524
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,048/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,289
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,729
−HK$1,463/mo
Today · 4.125%
HK$49,192
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,384/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,496
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,877
−HK$1,401/mo
Today · 4.125%
HK$54,278
baseline
▲ 0.50% · 4.625%
HK$57,139
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,556/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,514
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,881/mo
Today · 4.125%
HK$63,246
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,492/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,209
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,985
−HK$1,801/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$73,464
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,746 · Scale 2, in force from 26 Feb 2026)