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$31,923
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$1,009/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,466
−HK$967/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,499
−HK$1,211/mo
Today · 4.125%
HK$40,710
baseline
▲ 0.50% · 4.625%
HK$43,187
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,420/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,617
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,760
−HK$1,159/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,287
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,692
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,082
−HK$1,413/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$50,384
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,053
−HK$1,353/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,461
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,248
−HK$1,816/mo
Today · 4.125%
HK$61,064
baseline
▲ 0.50% · 4.625%
HK$64,780
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,128/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,925
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,639
−HK$1,740/mo
Today · 4.125%
HK$67,379
baseline
▲ 0.50% · 4.625%
HK$70,930
+HK$3,551/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,758/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,988 · Scale 2, in force from 26 Feb 2026)