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$31,902
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$1,008/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$966/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,380
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,473
−HK$1,210/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$43,158
+HK$2,475/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,159/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,256
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.39M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,663
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,052
−HK$1,411/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$50,352
+HK$2,889/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,687
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,352/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,132
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,423
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,210
−HK$1,814/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,883
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,596
−HK$1,738/mo
Today · 4.125%
HK$67,334
baseline
▲ 0.50% · 4.625%
HK$70,884
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,668/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,644 · Scale 2, in force from 26 Feb 2026)