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$34,191
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$1,080/mo
Today · 4.125%
HK$36,335
baseline
▲ 0.50% · 4.625%
HK$38,546
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,670/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,035/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,206
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,297/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,645
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,242/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,868
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,357
−HK$1,513/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,965
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,253
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,681
−HK$1,449/mo
Today · 4.125%
HK$56,130
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,260/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,459
−HK$1,945/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,468
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$1,863/mo
Today · 4.125%
HK$72,167
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,334/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,295 · Scale 2, in force from 26 Feb 2026)