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$31,909
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$1,009/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$966/mo
Today · 4.125%
HK$37,416
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,832/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,291
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,210/mo
Today · 4.125%
HK$40,692
baseline
▲ 0.50% · 4.625%
HK$43,168
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,384/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,159/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,266
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,798/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,412/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,697
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,030
−HK$1,352/mo
Today · 4.125%
HK$52,382
baseline
▲ 0.50% · 4.625%
HK$55,144
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,764/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,436
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,222
−HK$1,815/mo
Today · 4.125%
HK$61,037
baseline
▲ 0.50% · 4.625%
HK$64,751
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,074/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,897
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,610
−HK$1,739/mo
Today · 4.125%
HK$67,349
baseline
▲ 0.50% · 4.625%
HK$70,899
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,698/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,757 · Scale 2, in force from 26 Feb 2026)