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$34,215
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$1,081/mo
Today · 4.125%
HK$36,361
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,722/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,064
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,036/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,298/mo
Today · 4.125%
HK$43,633
baseline
▲ 0.50% · 4.625%
HK$46,288
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,266/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,677
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,902
−HK$1,243/mo
Today · 4.125%
HK$48,145
baseline
▲ 0.50% · 4.625%
HK$50,683
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,290/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,391
−HK$1,514/mo
Today · 4.125%
HK$50,905
baseline
▲ 0.50% · 4.625%
HK$54,003
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,810/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,290
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,719
−HK$1,450/mo
Today · 4.125%
HK$56,169
baseline
▲ 0.50% · 4.625%
HK$59,130
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,338/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,587
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,503
−HK$1,947/mo
Today · 4.125%
HK$65,450
baseline
▲ 0.50% · 4.625%
HK$69,432
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,900/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,515
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,353
−HK$1,864/mo
Today · 4.125%
HK$72,217
baseline
▲ 0.50% · 4.625%
HK$76,024
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,434/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,688 · Scale 2, in force from 26 Feb 2026)