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$31,938
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$1,009/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$2,066/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,530
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$967/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,424
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,212/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,636
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,160/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,309
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,713
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,104
−HK$1,413/mo
Today · 4.125%
HK$47,517
baseline
▲ 0.50% · 4.625%
HK$50,408
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,034/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,743
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,077
−HK$1,353/mo
Today · 4.125%
HK$52,430
baseline
▲ 0.50% · 4.625%
HK$55,194
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,860/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,488
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,276
−HK$1,817/mo
Today · 4.125%
HK$61,093
baseline
▲ 0.50% · 4.625%
HK$64,810
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,186/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,955
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,670
−HK$1,740/mo
Today · 4.125%
HK$67,410
baseline
▲ 0.50% · 4.625%
HK$70,963
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,820/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,232 · Scale 2, in force from 26 Feb 2026)