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$31,946
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$1,009/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$2,066/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,540
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$967/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,434
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,528
−HK$1,211/mo
Today · 4.125%
HK$40,739
baseline
▲ 0.50% · 4.625%
HK$43,218
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$81,478/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,648
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,160/mo
Today · 4.125%
HK$44,952
baseline
▲ 0.50% · 4.625%
HK$47,321
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.41M · min. income ≈ HK$89,904/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,116
−HK$1,413/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,421
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,756
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,090
−HK$1,354/mo
Today · 4.125%
HK$52,444
baseline
▲ 0.50% · 4.625%
HK$55,208
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,888/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,503
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,292
−HK$1,817/mo
Today · 4.125%
HK$61,109
baseline
▲ 0.50% · 4.625%
HK$64,827
+HK$3,718/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,218/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,972
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,687
−HK$1,741/mo
Today · 4.125%
HK$67,428
baseline
▲ 0.50% · 4.625%
HK$70,982
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,856/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,372 · Scale 2, in force from 26 Feb 2026)