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$31,911
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$1,009/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$966/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,210/mo
Today · 4.125%
HK$40,694
baseline
▲ 0.50% · 4.625%
HK$43,170
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,388/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,600
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,159/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,367/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,675
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,064
−HK$1,412/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$50,365
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,033
−HK$1,352/mo
Today · 4.125%
HK$52,385
baseline
▲ 0.50% · 4.625%
HK$55,147
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,770/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,439
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,226
−HK$1,815/mo
Today · 4.125%
HK$61,041
baseline
▲ 0.50% · 4.625%
HK$64,755
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,082/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,614
−HK$1,739/mo
Today · 4.125%
HK$67,353
baseline
▲ 0.50% · 4.625%
HK$70,903
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,706/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,785 · Scale 2, in force from 26 Feb 2026)