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$31,905
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$1,008/mo
Today · 4.125%
HK$33,906
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$2,063/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,812/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$966/mo
Today · 4.125%
HK$37,412
baseline
▲ 0.50% · 4.625%
HK$39,384
+HK$1,972/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,824/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,477
−HK$1,210/mo
Today · 4.125%
HK$40,687
baseline
▲ 0.50% · 4.625%
HK$43,163
+HK$2,476/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,374/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,593
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,736
−HK$1,159/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,261
+HK$2,366/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,668
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,057
−HK$1,412/mo
Today · 4.125%
HK$47,469
baseline
▲ 0.50% · 4.625%
HK$50,357
+HK$2,888/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$94,938/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,692
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,025
−HK$1,352/mo
Today · 4.125%
HK$52,377
baseline
▲ 0.50% · 4.625%
HK$55,138
+HK$2,761/mo
Deposit HK$4.20M · loan HK$9.79M · min. income ≈ HK$104,754/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,430
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,216
−HK$1,815/mo
Today · 4.125%
HK$61,031
baseline
▲ 0.50% · 4.625%
HK$64,745
+HK$3,714/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$122,062/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,890
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$1,738/mo
Today · 4.125%
HK$67,342
baseline
▲ 0.50% · 4.625%
HK$70,892
+HK$3,550/mo
Deposit HK$1.40M · loan HK$12.59M · min. income ≈ HK$134,684/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$524,702 · Scale 2, in force from 26 Feb 2026)