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$33,071
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$1,045/mo
Today · 4.125%
HK$35,145
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,290/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,791
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,778
−HK$1,001/mo
Today · 4.125%
HK$38,779
baseline
▲ 0.50% · 4.625%
HK$40,823
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,558/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,254/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,740
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,334
−HK$1,201/mo
Today · 4.125%
HK$46,535
baseline
▲ 0.50% · 4.625%
HK$48,988
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,070/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,300
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,740
−HK$1,463/mo
Today · 4.125%
HK$49,203
baseline
▲ 0.50% · 4.625%
HK$52,197
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,406/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,508
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,889
−HK$1,402/mo
Today · 4.125%
HK$54,291
baseline
▲ 0.50% · 4.625%
HK$57,152
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,582/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,528
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,380
−HK$1,881/mo
Today · 4.125%
HK$63,261
baseline
▲ 0.50% · 4.625%
HK$67,110
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,522/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,224
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,000
−HK$1,802/mo
Today · 4.125%
HK$69,802
baseline
▲ 0.50% · 4.625%
HK$73,481
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,604/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,871 · Scale 2, in force from 26 Feb 2026)