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$33,076
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$1,046/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,001/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,691
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,255/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,156
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,340
−HK$1,201/mo
Today · 4.125%
HK$46,541
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,082/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,464/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$52,204
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,515
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,896
−HK$1,402/mo
Today · 4.125%
HK$54,298
baseline
▲ 0.50% · 4.625%
HK$57,160
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,596/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,536
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,388
−HK$1,881/mo
Today · 4.125%
HK$63,269
baseline
▲ 0.50% · 4.625%
HK$67,119
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,538/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,233
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,010
−HK$1,802/mo
Today · 4.125%
HK$69,812
baseline
▲ 0.50% · 4.625%
HK$73,491
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,624/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,946 · Scale 2, in force from 26 Feb 2026)