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$34,221
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$1,082/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,091
−HK$1,036/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,298/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,910
−HK$1,243/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,909
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,514/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,728
−HK$1,450/mo
Today · 4.125%
HK$56,178
baseline
▲ 0.50% · 4.625%
HK$59,139
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,356/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,514
−HK$1,946/mo
Today · 4.125%
HK$65,460
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,920/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,527
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,364
−HK$1,865/mo
Today · 4.125%
HK$72,229
baseline
▲ 0.50% · 4.625%
HK$76,036
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,458/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,780 · Scale 2, in force from 26 Feb 2026)