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$33,077
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$1,046/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,797
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,001/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,926
−HK$1,255/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,747
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,201/mo
Today · 4.125%
HK$46,542
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,084/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,307
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,463/mo
Today · 4.125%
HK$49,211
baseline
▲ 0.50% · 4.625%
HK$52,205
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,422/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,401/mo
Today · 4.125%
HK$54,299
baseline
▲ 0.50% · 4.625%
HK$57,162
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,598/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,538
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,881/mo
Today · 4.125%
HK$63,271
baseline
▲ 0.50% · 4.625%
HK$67,121
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,542/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,235
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,012
−HK$1,802/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$73,494
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,961 · Scale 2, in force from 26 Feb 2026)