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$33,047
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,075
−HK$1,045/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$2,136/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,000/mo
Today · 4.125%
HK$38,751
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,502/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,890
−HK$1,253/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,286/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,301
−HK$1,200/mo
Today · 4.125%
HK$46,501
baseline
▲ 0.50% · 4.625%
HK$48,952
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,002/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,705
−HK$1,462/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,470
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,851
−HK$1,400/mo
Today · 4.125%
HK$54,251
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,502/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,485
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,335
−HK$1,880/mo
Today · 4.125%
HK$63,215
baseline
▲ 0.50% · 4.625%
HK$67,062
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,430/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,176
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,951
−HK$1,801/mo
Today · 4.125%
HK$69,752
baseline
▲ 0.50% · 4.625%
HK$73,428
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,504/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,478 · Scale 2, in force from 26 Feb 2026)