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$33,064
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$1,045/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,784
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,770
−HK$1,001/mo
Today · 4.125%
HK$38,771
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,542/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,677
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,254/mo
Today · 4.125%
HK$42,165
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,330/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,140
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,324
−HK$1,201/mo
Today · 4.125%
HK$46,525
baseline
▲ 0.50% · 4.625%
HK$48,977
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,050/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,290
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,463/mo
Today · 4.125%
HK$49,193
baseline
▲ 0.50% · 4.625%
HK$52,186
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,386/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,401/mo
Today · 4.125%
HK$54,279
baseline
▲ 0.50% · 4.625%
HK$57,140
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,558/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,516
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,367
−HK$1,881/mo
Today · 4.125%
HK$63,248
baseline
▲ 0.50% · 4.625%
HK$67,096
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,496/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,210
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,986
−HK$1,802/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$73,466
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,759 · Scale 2, in force from 26 Feb 2026)