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$33,052
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,080
−HK$1,044/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,000/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$40,799
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,662
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,896
−HK$1,253/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,123
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,200/mo
Today · 4.125%
HK$46,507
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,014/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,462/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$52,166
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,477
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,401/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,119
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,493
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,343
−HK$1,881/mo
Today · 4.125%
HK$63,224
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,448/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,185
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,960
−HK$1,801/mo
Today · 4.125%
HK$69,761
baseline
▲ 0.50% · 4.625%
HK$73,438
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,522/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,551 · Scale 2, in force from 26 Feb 2026)