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$33,056
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,084
−HK$1,045/mo
Today · 4.125%
HK$35,129
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,258/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,000/mo
Today · 4.125%
HK$38,761
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,522/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,254/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,201/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,718
−HK$1,463/mo
Today · 4.125%
HK$49,181
baseline
▲ 0.50% · 4.625%
HK$52,173
+HK$2,992/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$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,484
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,865
−HK$1,401/mo
Today · 4.125%
HK$54,266
baseline
▲ 0.50% · 4.625%
HK$57,126
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,532/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,501
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,352
−HK$1,880/mo
Today · 4.125%
HK$63,232
baseline
▲ 0.50% · 4.625%
HK$67,080
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,464/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,194
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$1,801/mo
Today · 4.125%
HK$69,770
baseline
▲ 0.50% · 4.625%
HK$73,448
+HK$3,678/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,540/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,625 · Scale 2, in force from 26 Feb 2026)