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$31,942
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$1,009/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$2,066/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$966/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$1,975/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,331
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,523
−HK$1,211/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$43,213
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,160/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,316
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,110
−HK$1,414/mo
Today · 4.125%
HK$47,524
baseline
▲ 0.50% · 4.625%
HK$50,415
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,048/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,084
−HK$1,354/mo
Today · 4.125%
HK$52,438
baseline
▲ 0.50% · 4.625%
HK$55,202
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,876/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,496
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,285
−HK$1,817/mo
Today · 4.125%
HK$61,102
baseline
▲ 0.50% · 4.625%
HK$64,820
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,204/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,964
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,679
−HK$1,741/mo
Today · 4.125%
HK$67,420
baseline
▲ 0.50% · 4.625%
HK$70,973
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,840/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,308 · Scale 2, in force from 26 Feb 2026)