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$33,046
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$1,045/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,000/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$40,793
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,254/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,564/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$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,117
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,200/mo
Today · 4.125%
HK$46,500
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,000/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,265
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,704
−HK$1,462/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$52,158
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,469
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,850
−HK$1,400/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,484
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,334
−HK$1,880/mo
Today · 4.125%
HK$63,214
baseline
▲ 0.50% · 4.625%
HK$67,060
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,428/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,175
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,950
−HK$1,800/mo
Today · 4.125%
HK$69,750
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,500/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,467 · Scale 2, in force from 26 Feb 2026)