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$31,919
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$1,009/mo
Today · 4.125%
HK$33,921
baseline
▲ 0.50% · 4.625%
HK$35,985
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,842/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$966/mo
Today · 4.125%
HK$37,428
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,856/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,303
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,494
−HK$1,211/mo
Today · 4.125%
HK$40,705
baseline
▲ 0.50% · 4.625%
HK$43,182
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,410/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,612
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,755
−HK$1,159/mo
Today · 4.125%
HK$44,914
baseline
▲ 0.50% · 4.625%
HK$47,281
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,828/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,687
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,412/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$50,379
+HK$2,890/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,714
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,353/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,162
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,455
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,242
−HK$1,815/mo
Today · 4.125%
HK$61,057
baseline
▲ 0.50% · 4.625%
HK$64,773
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,114/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,918
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,632
−HK$1,739/mo
Today · 4.125%
HK$67,371
baseline
▲ 0.50% · 4.625%
HK$70,922
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,742/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,928 · Scale 2, in force from 26 Feb 2026)