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$31,934
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,928
−HK$1,009/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$967/mo
Today · 4.125%
HK$37,446
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,892/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,321
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,513
−HK$1,211/mo
Today · 4.125%
HK$40,724
baseline
▲ 0.50% · 4.625%
HK$43,202
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,448/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,632
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,775
−HK$1,160/mo
Today · 4.125%
HK$44,935
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,870/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,099
−HK$1,412/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,737
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,071
−HK$1,353/mo
Today · 4.125%
HK$52,424
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,848/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,482
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,270
−HK$1,816/mo
Today · 4.125%
HK$61,086
baseline
▲ 0.50% · 4.625%
HK$64,803
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,172/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,948
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,663
−HK$1,739/mo
Today · 4.125%
HK$67,402
baseline
▲ 0.50% · 4.625%
HK$70,955
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,804/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,175 · Scale 2, in force from 26 Feb 2026)