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$31,935
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$1,009/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$36,003
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$966/mo
Today · 4.125%
HK$37,447
baseline
▲ 0.50% · 4.625%
HK$39,421
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,894/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,323
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,211/mo
Today · 4.125%
HK$40,726
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,452/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,633
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,777
−HK$1,160/mo
Today · 4.125%
HK$44,937
baseline
▲ 0.50% · 4.625%
HK$47,306
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,874/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,413/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,404
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,739
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,073
−HK$1,353/mo
Today · 4.125%
HK$52,426
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,852/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,484
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,272
−HK$1,817/mo
Today · 4.125%
HK$61,089
baseline
▲ 0.50% · 4.625%
HK$64,806
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,178/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,950
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,665
−HK$1,740/mo
Today · 4.125%
HK$67,405
baseline
▲ 0.50% · 4.625%
HK$70,958
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,810/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,196 · Scale 2, in force from 26 Feb 2026)