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$31,930
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$1,009/mo
Today · 4.125%
HK$33,933
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,866/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,475
−HK$967/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,415
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,317
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,211/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$43,197
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,627
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,770
−HK$1,160/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,298
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,703
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,093
−HK$1,413/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,065
−HK$1,353/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,181
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,475
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,816/mo
Today · 4.125%
HK$61,079
baseline
▲ 0.50% · 4.625%
HK$64,796
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,158/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,940
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,655
−HK$1,740/mo
Today · 4.125%
HK$67,395
baseline
▲ 0.50% · 4.625%
HK$70,947
+HK$3,552/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,790/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,114 · Scale 2, in force from 26 Feb 2026)