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$31,939
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$1,010/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,532
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$966/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,425
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,211/mo
Today · 4.125%
HK$40,730
baseline
▲ 0.50% · 4.625%
HK$43,208
+HK$2,478/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,460/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,638
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,781
−HK$1,160/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,310
+HK$2,369/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,413/mo
Today · 4.125%
HK$47,518
baseline
▲ 0.50% · 4.625%
HK$50,410
+HK$2,892/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$95,036/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,744
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,078
−HK$1,354/mo
Today · 4.125%
HK$52,432
baseline
▲ 0.50% · 4.625%
HK$55,195
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,864/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,490
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,278
−HK$1,817/mo
Today · 4.125%
HK$61,095
baseline
▲ 0.50% · 4.625%
HK$64,812
+HK$3,717/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$122,190/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,957
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,672
−HK$1,740/mo
Today · 4.125%
HK$67,412
baseline
▲ 0.50% · 4.625%
HK$70,966
+HK$3,554/mo
Deposit HK$1.40M · loan HK$12.61M · min. income ≈ HK$134,824/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,250 · Scale 2, in force from 26 Feb 2026)