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$33,045
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$1,044/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,762
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,000/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,887
−HK$1,253/mo
Today · 4.125%
HK$42,140
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,280/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,114
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,201/mo
Today · 4.125%
HK$46,498
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$92,996/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,263
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,702
−HK$1,462/mo
Today · 4.125%
HK$49,164
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,328/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,467
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,847
−HK$1,400/mo
Today · 4.125%
HK$54,247
baseline
▲ 0.50% · 4.625%
HK$57,107
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,494/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,481
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,331
−HK$1,880/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,422/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,172
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$1,801/mo
Today · 4.125%
HK$69,747
baseline
▲ 0.50% · 4.625%
HK$73,423
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,494/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,439 · Scale 2, in force from 26 Feb 2026)