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$33,069
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$1,045/mo
Today · 4.125%
HK$35,143
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,286/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,789
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,775
−HK$1,001/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$40,820
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,683
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,254/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,147
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,201/mo
Today · 4.125%
HK$46,532
baseline
▲ 0.50% · 4.625%
HK$48,984
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,064/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,296
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,463/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$52,193
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,504
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,401/mo
Today · 4.125%
HK$54,287
baseline
▲ 0.50% · 4.625%
HK$57,149
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,574/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,524
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,376
−HK$1,881/mo
Today · 4.125%
HK$63,257
baseline
▲ 0.50% · 4.625%
HK$67,106
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,514/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,220
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,996
−HK$1,802/mo
Today · 4.125%
HK$69,798
baseline
▲ 0.50% · 4.625%
HK$73,477
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,596/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,836 · Scale 2, in force from 26 Feb 2026)