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$34,218
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$1,081/mo
Today · 4.125%
HK$36,364
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,728/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,035/mo
Today · 4.125%
HK$40,124
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,248/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,062
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,339
−HK$1,298/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$46,292
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,681
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,906
−HK$1,243/mo
Today · 4.125%
HK$48,149
baseline
▲ 0.50% · 4.625%
HK$50,687
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,298/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,906
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,396
−HK$1,514/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$54,008
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,724
−HK$1,450/mo
Today · 4.125%
HK$56,174
baseline
▲ 0.50% · 4.625%
HK$59,135
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,348/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,947/mo
Today · 4.125%
HK$65,456
baseline
▲ 0.50% · 4.625%
HK$69,438
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,912/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,359
−HK$1,865/mo
Today · 4.125%
HK$72,224
baseline
▲ 0.50% · 4.625%
HK$76,031
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,448/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,740 · Scale 2, in force from 26 Feb 2026)