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$34,186
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$1,081/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,540
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,034/mo
Today · 4.125%
HK$40,086
baseline
▲ 0.50% · 4.625%
HK$42,199
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,172/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,023
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,299
−HK$1,297/mo
Today · 4.125%
HK$43,596
baseline
▲ 0.50% · 4.625%
HK$46,249
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,192/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,638
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,242/mo
Today · 4.125%
HK$48,104
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,535/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,208/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,861
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,349
−HK$1,513/mo
Today · 4.125%
HK$50,862
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,724/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,244
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,672
−HK$1,449/mo
Today · 4.125%
HK$56,121
baseline
▲ 0.50% · 4.625%
HK$59,079
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,242/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,535
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,449
−HK$1,945/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$69,373
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,457
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,293
−HK$1,863/mo
Today · 4.125%
HK$72,156
baseline
▲ 0.50% · 4.625%
HK$75,959
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,312/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,209 · Scale 2, in force from 26 Feb 2026)