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$31,922
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$1,008/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,512
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$966/mo
Today · 4.125%
HK$37,431
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,862/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,306
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,211/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,159/mo
Today · 4.125%
HK$44,917
baseline
▲ 0.50% · 4.625%
HK$47,285
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,834/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,413/mo
Today · 4.125%
HK$47,493
baseline
▲ 0.50% · 4.625%
HK$50,383
+HK$2,890/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,986/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,717
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,051
−HK$1,353/mo
Today · 4.125%
HK$52,404
baseline
▲ 0.50% · 4.625%
HK$55,166
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,808/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,459
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,246
−HK$1,816/mo
Today · 4.125%
HK$61,062
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,124/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,922
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,637
−HK$1,739/mo
Today · 4.125%
HK$67,376
baseline
▲ 0.50% · 4.625%
HK$70,928
+HK$3,552/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,752/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,968 · Scale 2, in force from 26 Feb 2026)