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$33,051
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$1,044/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,000/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,043/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,661
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,895
−HK$1,253/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,713
+HK$2,565/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,306
−HK$1,200/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$48,958
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,271
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,710
−HK$1,463/mo
Today · 4.125%
HK$49,173
baseline
▲ 0.50% · 4.625%
HK$52,165
+HK$2,992/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,346/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,857
−HK$1,400/mo
Today · 4.125%
HK$54,257
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$2,860/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,514/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,491
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,342
−HK$1,880/mo
Today · 4.125%
HK$63,222
baseline
▲ 0.50% · 4.625%
HK$67,069
+HK$3,847/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,444/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,184
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,959
−HK$1,800/mo
Today · 4.125%
HK$69,759
baseline
▲ 0.50% · 4.625%
HK$73,436
+HK$3,677/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,518/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,538 · Scale 2, in force from 26 Feb 2026)