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$31,916
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$1,009/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,506
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,459
−HK$966/mo
Today · 4.125%
HK$37,425
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,850/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,299
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,210/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$43,178
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,750
−HK$1,160/mo
Today · 4.125%
HK$44,910
baseline
▲ 0.50% · 4.625%
HK$47,277
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,820/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,683
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,073
−HK$1,412/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$50,374
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,709
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,042
−HK$1,353/mo
Today · 4.125%
HK$52,395
baseline
▲ 0.50% · 4.625%
HK$55,156
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,790/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,449
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,816/mo
Today · 4.125%
HK$61,052
baseline
▲ 0.50% · 4.625%
HK$64,767
+HK$3,715/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,104/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,626
−HK$1,739/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$70,915
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,879 · Scale 2, in force from 26 Feb 2026)