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$33,079
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$1,045/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,292
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,001/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,694
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,929
−HK$1,255/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,368/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,344
−HK$1,202/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$48,999
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,310
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,463/mo
Today · 4.125%
HK$49,214
baseline
▲ 0.50% · 4.625%
HK$52,209
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,428/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,901
−HK$1,402/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,542
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,394
−HK$1,882/mo
Today · 4.125%
HK$63,276
baseline
▲ 0.50% · 4.625%
HK$67,126
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,552/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,240
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,016
−HK$1,802/mo
Today · 4.125%
HK$69,818
baseline
▲ 0.50% · 4.625%
HK$73,499
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,636/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,998 · Scale 2, in force from 26 Feb 2026)