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$31,941
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,934
−HK$1,010/mo
Today · 4.125%
HK$33,944
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,888/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,534
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,487
−HK$967/mo
Today · 4.125%
HK$37,454
baseline
▲ 0.50% · 4.625%
HK$39,428
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,908/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,329
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,211/mo
Today · 4.125%
HK$40,732
baseline
▲ 0.50% · 4.625%
HK$43,211
+HK$2,479/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,464/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,641
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,784
−HK$1,160/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,313
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,717
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,108
−HK$1,413/mo
Today · 4.125%
HK$47,521
baseline
▲ 0.50% · 4.625%
HK$50,413
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$95,042/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,747
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,081
−HK$1,354/mo
Today · 4.125%
HK$52,435
baseline
▲ 0.50% · 4.625%
HK$55,199
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.81M · min. income ≈ HK$104,870/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,282
−HK$1,817/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,816
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,961
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,676
−HK$1,740/mo
Today · 4.125%
HK$67,416
baseline
▲ 0.50% · 4.625%
HK$70,970
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,832/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,283 · Scale 2, in force from 26 Feb 2026)