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$34,201
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$1,080/mo
Today · 4.125%
HK$36,345
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,690/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,036/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,217
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,297/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,658
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,242/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$50,661
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,881
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,370
−HK$1,514/mo
Today · 4.125%
HK$50,884
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,768/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,267
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,449/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,104
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,561
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,946/mo
Today · 4.125%
HK$65,422
baseline
▲ 0.50% · 4.625%
HK$69,402
+HK$3,980/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,844/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,486
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,323
−HK$1,863/mo
Today · 4.125%
HK$72,186
baseline
▲ 0.50% · 4.625%
HK$75,991
+HK$3,805/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,372/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,449 · Scale 2, in force from 26 Feb 2026)