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$31,914
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$1,009/mo
Today · 4.125%
HK$33,915
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,830/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$966/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,296
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,488
−HK$1,210/mo
Today · 4.125%
HK$40,698
baseline
▲ 0.50% · 4.625%
HK$43,174
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,396/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,604
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,747
−HK$1,159/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,273
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,679
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,412/mo
Today · 4.125%
HK$47,481
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,962/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,705
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,038
−HK$1,353/mo
Today · 4.125%
HK$52,391
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,782/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,445
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,815/mo
Today · 4.125%
HK$61,047
baseline
▲ 0.50% · 4.625%
HK$64,762
+HK$3,715/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,094/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,907
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,621
−HK$1,738/mo
Today · 4.125%
HK$67,359
baseline
▲ 0.50% · 4.625%
HK$70,910
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,718/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,838 · Scale 2, in force from 26 Feb 2026)