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$33,073
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$1,045/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,780
−HK$1,001/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,687
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,922
−HK$1,254/mo
Today · 4.125%
HK$42,176
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,352/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,336
−HK$1,201/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,742
−HK$1,463/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,510
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,891
−HK$1,402/mo
Today · 4.125%
HK$54,293
baseline
▲ 0.50% · 4.625%
HK$57,155
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,586/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,531
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,382
−HK$1,882/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,227
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$1,802/mo
Today · 4.125%
HK$69,805
baseline
▲ 0.50% · 4.625%
HK$73,485
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,610/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,895 · Scale 2, in force from 26 Feb 2026)