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$34,199
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$1,081/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,047
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,067
−HK$1,035/mo
Today · 4.125%
HK$40,102
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,204/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,039
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,297/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,242/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$50,659
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,879
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,369
−HK$1,513/mo
Today · 4.125%
HK$50,882
baseline
▲ 0.50% · 4.625%
HK$53,978
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,764/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,265
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,694
−HK$1,449/mo
Today · 4.125%
HK$56,143
baseline
▲ 0.50% · 4.625%
HK$59,102
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,286/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,559
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,474
−HK$1,945/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$69,400
+HK$3,981/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,484
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,320
−HK$1,864/mo
Today · 4.125%
HK$72,184
baseline
▲ 0.50% · 4.625%
HK$75,989
+HK$3,805/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,368/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,428 · Scale 2, in force from 26 Feb 2026)