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$33,075
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$1,045/mo
Today · 4.125%
HK$35,149
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$2,139/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$70,298/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,795
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,782
−HK$1,001/mo
Today · 4.125%
HK$38,783
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,045/mo
Deposit HK$7.25M · loan HK$7.25M · min. income ≈ HK$77,566/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,690
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,255/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,745
+HK$2,566/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,339
−HK$1,201/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$48,993
+HK$2,453/mo
Deposit HK$5.80M · loan HK$8.70M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,305
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,463/mo
Today · 4.125%
HK$49,208
baseline
▲ 0.50% · 4.625%
HK$52,203
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$98,416/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,513
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,895
−HK$1,402/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$2,862/mo
Deposit HK$4.35M · loan HK$10.15M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,535
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,386
−HK$1,882/mo
Today · 4.125%
HK$63,268
baseline
▲ 0.50% · 4.625%
HK$67,118
+HK$3,850/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$126,536/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,232
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,008
−HK$1,802/mo
Today · 4.125%
HK$69,810
baseline
▲ 0.50% · 4.625%
HK$73,490
+HK$3,680/mo
Deposit HK$1.45M · loan HK$13.05M · min. income ≈ HK$139,620/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,932 · Scale 2, in force from 26 Feb 2026)