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$33,063
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$1,045/mo
Today · 4.125%
HK$35,136
baseline
▲ 0.50% · 4.625%
HK$37,274
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,272/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,782
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,000/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,910
−HK$1,254/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,139
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,322
−HK$1,201/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,288
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,728
−HK$1,463/mo
Today · 4.125%
HK$49,191
baseline
▲ 0.50% · 4.625%
HK$52,184
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,382/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,495
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,876
−HK$1,401/mo
Today · 4.125%
HK$54,277
baseline
▲ 0.50% · 4.625%
HK$57,138
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,554/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,513
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,880/mo
Today · 4.125%
HK$63,245
baseline
▲ 0.50% · 4.625%
HK$67,094
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,490/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,208
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,984
−HK$1,801/mo
Today · 4.125%
HK$69,785
baseline
▲ 0.50% · 4.625%
HK$73,463
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,570/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,738 · Scale 2, in force from 26 Feb 2026)