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$31,923
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$1,009/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$966/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,308
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,210/mo
Today · 4.125%
HK$40,710
baseline
▲ 0.50% · 4.625%
HK$43,187
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,420/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,617
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,760
−HK$1,160/mo
Today · 4.125%
HK$44,920
baseline
▲ 0.50% · 4.625%
HK$47,288
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,840/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,693
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,412/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,890/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,720
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,054
−HK$1,352/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,169
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,462
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,249
−HK$1,816/mo
Today · 4.125%
HK$61,065
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,130/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,926
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,640
−HK$1,740/mo
Today · 4.125%
HK$67,380
baseline
▲ 0.50% · 4.625%
HK$70,931
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,760/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,997 · Scale 2, in force from 26 Feb 2026)