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$31,930
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,923
−HK$1,009/mo
Today · 4.125%
HK$33,932
baseline
▲ 0.50% · 4.625%
HK$35,997
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,864/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$967/mo
Today · 4.125%
HK$37,441
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$1,973/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,882/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,316
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,211/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$43,196
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,626
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,769
−HK$1,160/mo
Today · 4.125%
HK$44,929
baseline
▲ 0.50% · 4.625%
HK$47,297
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,858/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,702
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,413/mo
Today · 4.125%
HK$47,505
baseline
▲ 0.50% · 4.625%
HK$50,396
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,010/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,353/mo
Today · 4.125%
HK$52,417
baseline
▲ 0.50% · 4.625%
HK$55,180
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,834/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,474
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,261
−HK$1,817/mo
Today · 4.125%
HK$61,078
baseline
▲ 0.50% · 4.625%
HK$64,794
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,156/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,939
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,654
−HK$1,739/mo
Today · 4.125%
HK$67,393
baseline
▲ 0.50% · 4.625%
HK$70,946
+HK$3,553/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,786/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,103 · Scale 2, in force from 26 Feb 2026)