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$31,910
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$1,009/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$966/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,292
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,483
−HK$1,210/mo
Today · 4.125%
HK$40,693
baseline
▲ 0.50% · 4.625%
HK$43,169
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,386/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,599
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,742
−HK$1,159/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,267
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,063
−HK$1,412/mo
Today · 4.125%
HK$47,475
baseline
▲ 0.50% · 4.625%
HK$50,364
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,950/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,699
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,032
−HK$1,352/mo
Today · 4.125%
HK$52,384
baseline
▲ 0.50% · 4.625%
HK$55,145
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,768/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,224
−HK$1,815/mo
Today · 4.125%
HK$61,039
baseline
▲ 0.50% · 4.625%
HK$64,753
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,078/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,899
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,612
−HK$1,739/mo
Today · 4.125%
HK$67,351
baseline
▲ 0.50% · 4.625%
HK$70,901
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,702/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,773 · Scale 2, in force from 26 Feb 2026)