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$34,188
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$1,081/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,034
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,034/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,025
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,296/mo
Today · 4.125%
HK$43,598
baseline
▲ 0.50% · 4.625%
HK$46,251
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,196/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,640
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,864
−HK$1,242/mo
Today · 4.125%
HK$48,106
baseline
▲ 0.50% · 4.625%
HK$50,642
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,212/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,352
−HK$1,512/mo
Today · 4.125%
HK$50,864
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,728/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,247
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,675
−HK$1,449/mo
Today · 4.125%
HK$56,124
baseline
▲ 0.50% · 4.625%
HK$59,082
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,248/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,538
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,452
−HK$1,945/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$69,376
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,460
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$1,862/mo
Today · 4.125%
HK$72,159
baseline
▲ 0.50% · 4.625%
HK$75,963
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,318/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,237 · Scale 2, in force from 26 Feb 2026)