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$2,075/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,046/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,001/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$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,700
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,254/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,568/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$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,166
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,202/mo
Today · 4.125%
HK$46,552
baseline
▲ 0.50% · 4.625%
HK$49,006
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,104/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,317
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,464/mo
Today · 4.125%
HK$49,221
baseline
▲ 0.50% · 4.625%
HK$52,216
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,442/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,527
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,909
−HK$1,402/mo
Today · 4.125%
HK$54,311
baseline
▲ 0.50% · 4.625%
HK$57,173
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,622/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,550
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,882/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$67,135
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,249
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$1,803/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$73,509
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,072 · Scale 2, in force from 26 Feb 2026)