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$33,068
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$1,045/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,001/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,681
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,254/mo
Today · 4.125%
HK$42,170
baseline
▲ 0.50% · 4.625%
HK$44,736
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,340/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,145
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,329
−HK$1,201/mo
Today · 4.125%
HK$46,530
baseline
▲ 0.50% · 4.625%
HK$48,983
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,060/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,295
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,463/mo
Today · 4.125%
HK$49,198
baseline
▲ 0.50% · 4.625%
HK$52,192
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,396/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,503
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,884
−HK$1,401/mo
Today · 4.125%
HK$54,285
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,570/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,522
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,373
−HK$1,882/mo
Today · 4.125%
HK$63,255
baseline
▲ 0.50% · 4.625%
HK$67,103
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,510/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,218
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,994
−HK$1,801/mo
Today · 4.125%
HK$69,795
baseline
▲ 0.50% · 4.625%
HK$73,474
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,590/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,817 · Scale 2, in force from 26 Feb 2026)