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$33,081
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$1,045/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,802
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,789
−HK$1,001/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,255/mo
Today · 4.125%
HK$42,186
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,372/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,162
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,201/mo
Today · 4.125%
HK$46,548
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,096/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,313
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,753
−HK$1,464/mo
Today · 4.125%
HK$49,217
baseline
▲ 0.50% · 4.625%
HK$52,212
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,434/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,904
−HK$1,402/mo
Today · 4.125%
HK$54,306
baseline
▲ 0.50% · 4.625%
HK$57,169
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,612/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,545
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,882/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$67,129
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,243
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$1,802/mo
Today · 4.125%
HK$69,822
baseline
▲ 0.50% · 4.625%
HK$73,503
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,644/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,028 · Scale 2, in force from 26 Feb 2026)