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$31,912
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$1,009/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,501
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$966/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,294
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,210/mo
Today · 4.125%
HK$40,695
baseline
▲ 0.50% · 4.625%
HK$43,172
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,390/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,602
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,159/mo
Today · 4.125%
HK$44,903
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,806/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,066
−HK$1,412/mo
Today · 4.125%
HK$47,478
baseline
▲ 0.50% · 4.625%
HK$50,367
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,956/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,702
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,352/mo
Today · 4.125%
HK$52,387
baseline
▲ 0.50% · 4.625%
HK$55,149
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,774/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,441
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,228
−HK$1,815/mo
Today · 4.125%
HK$61,043
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,086/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,902
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,616
−HK$1,739/mo
Today · 4.125%
HK$67,355
baseline
▲ 0.50% · 4.625%
HK$70,905
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,710/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,804 · Scale 2, in force from 26 Feb 2026)