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$33,078
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$1,045/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,799
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,002/mo
Today · 4.125%
HK$38,787
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,574/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,254/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,201/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,749
−HK$1,464/mo
Today · 4.125%
HK$49,213
baseline
▲ 0.50% · 4.625%
HK$52,207
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,426/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,518
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,401/mo
Today · 4.125%
HK$54,301
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,602/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,540
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,392
−HK$1,881/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$1,802/mo
Today · 4.125%
HK$69,816
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,632/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,979 · Scale 2, in force from 26 Feb 2026)