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$31,943
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,937
−HK$1,009/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$36,012
+HK$2,066/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$967/mo
Today · 4.125%
HK$37,456
baseline
▲ 0.50% · 4.625%
HK$39,431
+HK$1,975/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,912/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,332
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,211/mo
Today · 4.125%
HK$40,735
baseline
▲ 0.50% · 4.625%
HK$43,214
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,470/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,644
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,787
−HK$1,160/mo
Today · 4.125%
HK$44,947
baseline
▲ 0.50% · 4.625%
HK$47,317
+HK$2,370/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,894/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,111
−HK$1,414/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,751
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,354/mo
Today · 4.125%
HK$52,439
baseline
▲ 0.50% · 4.625%
HK$55,203
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,878/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,497
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,817/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,821
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,965
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$1,740/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$70,975
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,320 · Scale 2, in force from 26 Feb 2026)