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$31,945
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$1,009/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$2,066/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$967/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,433
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,334
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,211/mo
Today · 4.125%
HK$40,738
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,476/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,790
−HK$1,161/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,320
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,723
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,414/mo
Today · 4.125%
HK$47,528
baseline
▲ 0.50% · 4.625%
HK$50,420
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,056/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,754
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,089
−HK$1,353/mo
Today · 4.125%
HK$52,442
baseline
▲ 0.50% · 4.625%
HK$55,207
+HK$2,765/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,884/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,290
−HK$1,817/mo
Today · 4.125%
HK$61,107
baseline
▲ 0.50% · 4.625%
HK$64,825
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,214/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,970
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$1,741/mo
Today · 4.125%
HK$67,426
baseline
▲ 0.50% · 4.625%
HK$70,980
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,852/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,356 · Scale 2, in force from 26 Feb 2026)