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$31,918
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$1,009/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$966/mo
Today · 4.125%
HK$37,427
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,854/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,302
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,211/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$43,180
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,610
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,753
−HK$1,159/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,685
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,413/mo
Today · 4.125%
HK$47,488
baseline
▲ 0.50% · 4.625%
HK$50,377
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,976/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,712
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,045
−HK$1,353/mo
Today · 4.125%
HK$52,398
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,796/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,453
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,815/mo
Today · 4.125%
HK$61,055
baseline
▲ 0.50% · 4.625%
HK$64,771
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,110/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,916
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$1,739/mo
Today · 4.125%
HK$67,369
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,738/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,911 · Scale 2, in force from 26 Feb 2026)