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$33,083
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,045/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,140/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,002/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,699
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,934
−HK$1,255/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,378/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,165
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,201/mo
Today · 4.125%
HK$46,551
baseline
▲ 0.50% · 4.625%
HK$49,005
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,102/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,316
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,463/mo
Today · 4.125%
HK$49,220
baseline
▲ 0.50% · 4.625%
HK$52,215
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,440/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,526
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,908
−HK$1,402/mo
Today · 4.125%
HK$54,310
baseline
▲ 0.50% · 4.625%
HK$57,173
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,620/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,549
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,881/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$67,134
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,248
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$1,802/mo
Today · 4.125%
HK$69,827
baseline
▲ 0.50% · 4.625%
HK$73,508
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,654/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,066 · Scale 2, in force from 26 Feb 2026)