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$33,062
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$1,044/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$2,138/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,000/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$40,812
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,675
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,253/mo
Today · 4.125%
HK$42,162
baseline
▲ 0.50% · 4.625%
HK$44,728
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,324/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,321
−HK$1,201/mo
Today · 4.125%
HK$46,522
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,452/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,044/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,287
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,463/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$52,183
+HK$2,993/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,494
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,875
−HK$1,401/mo
Today · 4.125%
HK$54,276
baseline
▲ 0.50% · 4.625%
HK$57,137
+HK$2,861/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,552/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,512
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,881/mo
Today · 4.125%
HK$63,244
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,848/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,488/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,206
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$1,801/mo
Today · 4.125%
HK$69,783
baseline
▲ 0.50% · 4.625%
HK$73,462
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,566/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,724 · Scale 2, in force from 26 Feb 2026)