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$33,057
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$1,045/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$2,137/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,000/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,668
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,254/mo
Today · 4.125%
HK$42,156
baseline
▲ 0.50% · 4.625%
HK$44,721
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,312/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,130
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,201/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,719
−HK$1,462/mo
Today · 4.125%
HK$49,181
baseline
▲ 0.50% · 4.625%
HK$52,174
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,362/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,485
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,866
−HK$1,401/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,127
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,502
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,353
−HK$1,880/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$67,081
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,195
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,971
−HK$1,801/mo
Today · 4.125%
HK$69,772
baseline
▲ 0.50% · 4.625%
HK$73,450
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,544/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,635 · Scale 2, in force from 26 Feb 2026)