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$31,917
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$1,008/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,460
−HK$966/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,300
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,492
−HK$1,210/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,609
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,751
−HK$1,160/mo
Today · 4.125%
HK$44,911
baseline
▲ 0.50% · 4.625%
HK$47,278
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,822/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,684
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,074
−HK$1,412/mo
Today · 4.125%
HK$47,486
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,972/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,710
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,043
−HK$1,353/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,158
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,450
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,238
−HK$1,815/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,715/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,913
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$1,739/mo
Today · 4.125%
HK$67,366
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,732/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,891 · Scale 2, in force from 26 Feb 2026)