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$33,055
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,083
−HK$1,045/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,001/mo
Today · 4.125%
HK$38,760
baseline
▲ 0.50% · 4.625%
HK$40,803
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,520/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,666
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,254/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,718
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,128
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,311
−HK$1,201/mo
Today · 4.125%
HK$46,512
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,024/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,277
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,716
−HK$1,463/mo
Today · 4.125%
HK$49,179
baseline
▲ 0.50% · 4.625%
HK$52,171
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,358/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,482
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,863
−HK$1,401/mo
Today · 4.125%
HK$54,264
baseline
▲ 0.50% · 4.625%
HK$57,124
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,528/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,498
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,349
−HK$1,881/mo
Today · 4.125%
HK$63,230
baseline
▲ 0.50% · 4.625%
HK$67,077
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,460/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,191
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,967
−HK$1,801/mo
Today · 4.125%
HK$69,768
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,536/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,602 · Scale 2, in force from 26 Feb 2026)