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$34,190
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$1,080/mo
Today · 4.125%
HK$36,334
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,668/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,057
−HK$1,034/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,205
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,182/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,028
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,305
−HK$1,296/mo
Today · 4.125%
HK$43,601
baseline
▲ 0.50% · 4.625%
HK$46,254
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,202/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,644
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,242/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$50,646
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,355
−HK$1,513/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,963
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,251
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,449/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,543
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,945/mo
Today · 4.125%
HK$65,402
baseline
▲ 0.50% · 4.625%
HK$69,381
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,804/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,466
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,302
−HK$1,863/mo
Today · 4.125%
HK$72,165
baseline
▲ 0.50% · 4.625%
HK$75,968
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,330/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,279 · Scale 2, in force from 26 Feb 2026)