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$2,075/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$1,046/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,802
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,789
−HK$1,002/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,932
−HK$1,255/mo
Today · 4.125%
HK$42,187
baseline
▲ 0.50% · 4.625%
HK$44,754
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,374/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,163
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,202/mo
Today · 4.125%
HK$46,549
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,098/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,314
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,754
−HK$1,464/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$52,213
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,905
−HK$1,402/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,170
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,546
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,398
−HK$1,882/mo
Today · 4.125%
HK$63,280
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,560/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,244
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$1,802/mo
Today · 4.125%
HK$69,823
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,646/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$544,036 · Scale 2, in force from 26 Feb 2026)