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$33,048
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,045/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,000/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,658
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,254/mo
Today · 4.125%
HK$42,145
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,290/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,119
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,201/mo
Today · 4.125%
HK$46,503
baseline
▲ 0.50% · 4.625%
HK$48,954
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,006/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,267
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,462/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,853
−HK$1,400/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,113
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,337
−HK$1,880/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,178
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$1,801/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,431
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,495 · Scale 2, in force from 26 Feb 2026)