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$33,084
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$1,046/mo
Today · 4.125%
HK$35,159
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,318/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,806
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,001/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,701
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,936
−HK$1,255/mo
Today · 4.125%
HK$42,191
baseline
▲ 0.50% · 4.625%
HK$44,758
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,382/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,167
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,201/mo
Today · 4.125%
HK$46,553
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,106/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,318
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,463/mo
Today · 4.125%
HK$49,222
baseline
▲ 0.50% · 4.625%
HK$52,217
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,444/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,528
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,910
−HK$1,402/mo
Today · 4.125%
HK$54,312
baseline
▲ 0.50% · 4.625%
HK$57,175
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,624/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,552
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,404
−HK$1,882/mo
Today · 4.125%
HK$63,286
baseline
▲ 0.50% · 4.625%
HK$67,137
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,572/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,250
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,027
−HK$1,803/mo
Today · 4.125%
HK$69,830
baseline
▲ 0.50% · 4.625%
HK$73,511
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,660/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,087 · Scale 2, in force from 26 Feb 2026)