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$2,000/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$1,008/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$2,064/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,449
−HK$966/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$1,972/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$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,210/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$43,166
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,596
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,159/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,264
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,060
−HK$1,412/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$50,360
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,696
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,028
−HK$1,352/mo
Today · 4.125%
HK$52,380
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$2,762/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,760/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,434
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,220
−HK$1,815/mo
Today · 4.125%
HK$61,035
baseline
▲ 0.50% · 4.625%
HK$64,749
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,070/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,894
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,608
−HK$1,738/mo
Today · 4.125%
HK$67,346
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,692/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,737 · Scale 2, in force from 26 Feb 2026)