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$34,214
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$1,081/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,036/mo
Today · 4.125%
HK$40,119
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,238/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,056
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,298/mo
Today · 4.125%
HK$43,631
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,262/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,243/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$50,680
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,514/mo
Today · 4.125%
HK$50,903
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,806/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,287
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,450/mo
Today · 4.125%
HK$56,166
baseline
▲ 0.50% · 4.625%
HK$59,127
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,332/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,585
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,947/mo
Today · 4.125%
HK$65,447
baseline
▲ 0.50% · 4.625%
HK$69,429
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,894/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,512
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$1,864/mo
Today · 4.125%
HK$72,214
baseline
▲ 0.50% · 4.625%
HK$76,020
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,428/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,662 · Scale 2, in force from 26 Feb 2026)