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$33,054
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$1,045/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$37,264
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,758
−HK$1,001/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,665
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,253/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,717
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,127
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,310
−HK$1,201/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,276
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,463/mo
Today · 4.125%
HK$49,178
baseline
▲ 0.50% · 4.625%
HK$52,170
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,356/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,481
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,401/mo
Today · 4.125%
HK$54,263
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,526/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,497
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,348
−HK$1,880/mo
Today · 4.125%
HK$63,228
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,456/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,190
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,965
−HK$1,801/mo
Today · 4.125%
HK$69,766
baseline
▲ 0.50% · 4.625%
HK$73,444
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,532/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,591 · Scale 2, in force from 26 Feb 2026)