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$34,182
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,081/mo
Today · 4.125%
HK$36,326
baseline
▲ 0.50% · 4.625%
HK$38,536
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,652/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,027
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,035/mo
Today · 4.125%
HK$40,082
baseline
▲ 0.50% · 4.625%
HK$42,195
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,164/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,019
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,297/mo
Today · 4.125%
HK$43,591
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,182/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,633
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,241/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,855
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,512/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,666
−HK$1,448/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,528
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,442
−HK$1,944/mo
Today · 4.125%
HK$65,386
baseline
▲ 0.50% · 4.625%
HK$69,365
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,772/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,449
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,285
−HK$1,862/mo
Today · 4.125%
HK$72,147
baseline
▲ 0.50% · 4.625%
HK$75,950
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,294/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,143 · Scale 2, in force from 26 Feb 2026)