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$33,058
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$1,045/mo
Today · 4.125%
HK$35,131
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,262/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,763
−HK$1,001/mo
Today · 4.125%
HK$38,764
baseline
▲ 0.50% · 4.625%
HK$40,807
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,528/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,670
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,903
−HK$1,254/mo
Today · 4.125%
HK$42,157
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,314/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,316
−HK$1,200/mo
Today · 4.125%
HK$46,516
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,032/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,281
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,462/mo
Today · 4.125%
HK$49,183
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,366/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,868
−HK$1,401/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,504
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,881/mo
Today · 4.125%
HK$63,236
baseline
▲ 0.50% · 4.625%
HK$67,084
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,472/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,198
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,973
−HK$1,801/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$73,452
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,656 · Scale 2, in force from 26 Feb 2026)