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$33,073
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,102
−HK$1,045/mo
Today · 4.125%
HK$35,147
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,294/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,794
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,780
−HK$1,002/mo
Today · 4.125%
HK$38,782
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,044/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,564/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,688
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,922
−HK$1,255/mo
Today · 4.125%
HK$42,177
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,354/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,152
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,337
−HK$1,201/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$48,991
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,303
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,463/mo
Today · 4.125%
HK$49,206
baseline
▲ 0.50% · 4.625%
HK$52,200
+HK$2,994/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,412/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,511
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,893
−HK$1,401/mo
Today · 4.125%
HK$54,294
baseline
▲ 0.50% · 4.625%
HK$57,156
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,588/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,532
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,384
−HK$1,881/mo
Today · 4.125%
HK$63,265
baseline
▲ 0.50% · 4.625%
HK$67,115
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,530/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,229
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,005
−HK$1,802/mo
Today · 4.125%
HK$69,807
baseline
▲ 0.50% · 4.625%
HK$73,486
+HK$3,679/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,614/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,907 · Scale 2, in force from 26 Feb 2026)