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$34,202
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,266
−HK$1,081/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,559
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,050
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,035/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,043
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,319
−HK$1,298/mo
Today · 4.125%
HK$43,617
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,234/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,660
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,884
−HK$1,243/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$50,663
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,883
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,373
−HK$1,513/mo
Today · 4.125%
HK$50,886
baseline
▲ 0.50% · 4.625%
HK$53,982
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,772/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,270
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,698
−HK$1,450/mo
Today · 4.125%
HK$56,148
baseline
▲ 0.50% · 4.625%
HK$59,107
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,296/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,564
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,946/mo
Today · 4.125%
HK$65,425
baseline
▲ 0.50% · 4.625%
HK$69,406
+HK$3,981/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,850/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,490
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,326
−HK$1,864/mo
Today · 4.125%
HK$72,190
baseline
▲ 0.50% · 4.625%
HK$75,995
+HK$3,805/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,380/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,476 · Scale 2, in force from 26 Feb 2026)