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$31,921
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,914
−HK$1,008/mo
Today · 4.125%
HK$33,922
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,844/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,511
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$966/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,403
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,305
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,496
−HK$1,211/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,159/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,284
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,689
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,079
−HK$1,412/mo
Today · 4.125%
HK$47,491
baseline
▲ 0.50% · 4.625%
HK$50,381
+HK$2,890/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,982/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,716
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,353/mo
Today · 4.125%
HK$52,402
baseline
▲ 0.50% · 4.625%
HK$55,164
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,804/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,457
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,244
−HK$1,816/mo
Today · 4.125%
HK$61,060
baseline
▲ 0.50% · 4.625%
HK$64,776
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,120/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,920
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$1,739/mo
Today · 4.125%
HK$67,374
baseline
▲ 0.50% · 4.625%
HK$70,925
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,748/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,952 · Scale 2, in force from 26 Feb 2026)