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$31,940
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$1,010/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$966/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,520
−HK$1,211/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$43,209
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,639
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,160/mo
Today · 4.125%
HK$44,943
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,886/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,716
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,106
−HK$1,414/mo
Today · 4.125%
HK$47,520
baseline
▲ 0.50% · 4.625%
HK$50,411
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,040/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,746
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,080
−HK$1,353/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,197
+HK$2,764/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,491
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,280
−HK$1,817/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,814
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,959
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,674
−HK$1,740/mo
Today · 4.125%
HK$67,414
baseline
▲ 0.50% · 4.625%
HK$70,968
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,828/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,265 · Scale 2, in force from 26 Feb 2026)