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$33,061
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$1,044/mo
Today · 4.125%
HK$35,134
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,268/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,780
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,767
−HK$1,000/mo
Today · 4.125%
HK$38,767
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,534/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,673
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,908
−HK$1,253/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,727
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,201/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$48,973
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,725
−HK$1,463/mo
Today · 4.125%
HK$49,188
baseline
▲ 0.50% · 4.625%
HK$52,181
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,376/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,492
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,873
−HK$1,401/mo
Today · 4.125%
HK$54,274
baseline
▲ 0.50% · 4.625%
HK$57,135
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,548/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,510
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,881/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,204
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,980
−HK$1,801/mo
Today · 4.125%
HK$69,781
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,562/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,709 · Scale 2, in force from 26 Feb 2026)