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$31,908
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$1,008/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$965/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,290
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,481
−HK$1,210/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$43,167
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,159/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,366/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$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,412/mo
Today · 4.125%
HK$47,473
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,946/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,749 · 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$55,143
+HK$2,761/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$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,435
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,221
−HK$1,816/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$524,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,896
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,609
−HK$1,739/mo
Today · 4.125%
HK$67,348
baseline
▲ 0.50% · 4.625%
HK$70,898
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,696/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,749 · Scale 2, in force from 26 Feb 2026)