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$31,928
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,921
−HK$1,010/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$966/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,314
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,506
−HK$1,211/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$43,194
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,624
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,767
−HK$1,160/mo
Today · 4.125%
HK$44,927
baseline
▲ 0.50% · 4.625%
HK$47,295
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,854/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,090
−HK$1,413/mo
Today · 4.125%
HK$47,503
baseline
▲ 0.50% · 4.625%
HK$50,393
+HK$2,890/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,006/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,353/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,177
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,471
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,816/mo
Today · 4.125%
HK$61,075
baseline
▲ 0.50% · 4.625%
HK$64,791
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,150/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,936
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,651
−HK$1,739/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$3,552/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,079 · Scale 2, in force from 26 Feb 2026)