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$33,066
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$1,045/mo
Today · 4.125%
HK$35,139
baseline
▲ 0.50% · 4.625%
HK$37,277
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,278/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,785
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,001/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$40,816
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,679
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,254/mo
Today · 4.125%
HK$42,167
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,334/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,142
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,201/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,732
−HK$1,463/mo
Today · 4.125%
HK$49,195
baseline
▲ 0.50% · 4.625%
HK$52,188
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,390/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,499
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,880
−HK$1,402/mo
Today · 4.125%
HK$54,282
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,564/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,518
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,370
−HK$1,881/mo
Today · 4.125%
HK$63,251
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,502/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,213
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,989
−HK$1,802/mo
Today · 4.125%
HK$69,791
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,582/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,782 · Scale 2, in force from 26 Feb 2026)