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$33,070
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,099
−HK$1,045/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,790
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,777
−HK$1,001/mo
Today · 4.125%
HK$38,778
baseline
▲ 0.50% · 4.625%
HK$40,822
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,556/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,684
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,919
−HK$1,254/mo
Today · 4.125%
HK$42,173
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,346/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,201/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,299
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,739
−HK$1,463/mo
Today · 4.125%
HK$49,202
baseline
▲ 0.50% · 4.625%
HK$52,196
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,404/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,507
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,888
−HK$1,401/mo
Today · 4.125%
HK$54,289
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,578/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,378
−HK$1,882/mo
Today · 4.125%
HK$63,260
baseline
▲ 0.50% · 4.625%
HK$67,109
+HK$3,849/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,520/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,223
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,999
−HK$1,802/mo
Today · 4.125%
HK$69,801
baseline
▲ 0.50% · 4.625%
HK$73,480
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,602/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,860 · Scale 2, in force from 26 Feb 2026)