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$33,077
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$1,045/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,001/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,254/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,201/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,308
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,464/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$52,206
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,517
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,899
−HK$1,401/mo
Today · 4.125%
HK$54,300
baseline
▲ 0.50% · 4.625%
HK$57,163
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,600/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,391
−HK$1,881/mo
Today · 4.125%
HK$63,272
baseline
▲ 0.50% · 4.625%
HK$67,122
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,544/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,236
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$1,802/mo
Today · 4.125%
HK$69,815
baseline
▲ 0.50% · 4.625%
HK$73,495
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,969 · Scale 2, in force from 26 Feb 2026)