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$31,934
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$1,009/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$966/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,320
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,211/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$43,201
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,774
−HK$1,160/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,303
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,707
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,098
−HK$1,413/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,736
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,353/mo
Today · 4.125%
HK$52,423
baseline
▲ 0.50% · 4.625%
HK$55,187
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,846/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,481
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,269
−HK$1,816/mo
Today · 4.125%
HK$61,085
baseline
▲ 0.50% · 4.625%
HK$64,802
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,170/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,947
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,662
−HK$1,739/mo
Today · 4.125%
HK$67,401
baseline
▲ 0.50% · 4.625%
HK$70,954
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,802/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,166 · Scale 2, in force from 26 Feb 2026)