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$33,049
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$1,045/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,753
−HK$1,000/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,253/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,711
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,200/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,708
−HK$1,462/mo
Today · 4.125%
HK$49,170
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,340/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,474
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,854
−HK$1,401/mo
Today · 4.125%
HK$54,255
baseline
▲ 0.50% · 4.625%
HK$57,115
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,510/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,489
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,339
−HK$1,880/mo
Today · 4.125%
HK$63,219
baseline
▲ 0.50% · 4.625%
HK$67,066
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,438/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,181
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,955
−HK$1,801/mo
Today · 4.125%
HK$69,756
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,512/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,512 · Scale 2, in force from 26 Feb 2026)