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$31,931
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,925
−HK$1,009/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$967/mo
Today · 4.125%
HK$37,443
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,886/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,318
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,510
−HK$1,210/mo
Today · 4.125%
HK$40,720
baseline
▲ 0.50% · 4.625%
HK$43,198
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,440/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,628
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,771
−HK$1,160/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,299
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,862/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,704
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,094
−HK$1,413/mo
Today · 4.125%
HK$47,507
baseline
▲ 0.50% · 4.625%
HK$50,398
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,014/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,733
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,354/mo
Today · 4.125%
HK$52,420
baseline
▲ 0.50% · 4.625%
HK$55,183
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,840/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,476
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,817/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,797
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,942
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,657
−HK$1,740/mo
Today · 4.125%
HK$67,397
baseline
▲ 0.50% · 4.625%
HK$70,949
+HK$3,552/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,794/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,128 · Scale 2, in force from 26 Feb 2026)