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$2,075/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$1,046/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,005 · 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$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,695
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,254/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,751
+HK$2,567/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$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,345
−HK$1,201/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$49,000
+HK$2,454/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$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,464/mo
Today · 4.125%
HK$49,215
baseline
▲ 0.50% · 4.625%
HK$52,210
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,430/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,402/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,543
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,395
−HK$1,881/mo
Today · 4.125%
HK$63,276
baseline
▲ 0.50% · 4.625%
HK$67,127
+HK$3,851/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$544,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,240
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,017
−HK$1,802/mo
Today · 4.125%
HK$69,819
baseline
▲ 0.50% · 4.625%
HK$73,500
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,638/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,005 · Scale 2, in force from 26 Feb 2026)