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$33,085
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$1,046/mo
Today · 4.125%
HK$35,160
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,320/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,807
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,001/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$40,840
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,702
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,937
−HK$1,255/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,759
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,168
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,201/mo
Today · 4.125%
HK$46,554
baseline
▲ 0.50% · 4.625%
HK$49,008
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,108/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,319
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,760
−HK$1,464/mo
Today · 4.125%
HK$49,224
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,448/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,529
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,911
−HK$1,402/mo
Today · 4.125%
HK$54,313
baseline
▲ 0.50% · 4.625%
HK$57,176
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,626/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,553
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,405
−HK$1,882/mo
Today · 4.125%
HK$63,287
baseline
▲ 0.50% · 4.625%
HK$67,138
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,574/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,252
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$1,802/mo
Today · 4.125%
HK$69,831
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,662/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,100 · Scale 2, in force from 26 Feb 2026)