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$34,216
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$1,082/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,574
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,035/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,236
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,059
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,298/mo
Today · 4.125%
HK$43,634
baseline
▲ 0.50% · 4.625%
HK$46,289
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,268/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,678
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,903
−HK$1,243/mo
Today · 4.125%
HK$48,146
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,292/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,902
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,392
−HK$1,514/mo
Today · 4.125%
HK$50,906
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,812/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,291
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,720
−HK$1,450/mo
Today · 4.125%
HK$56,170
baseline
▲ 0.50% · 4.625%
HK$59,131
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,340/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,589
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,504
−HK$1,947/mo
Today · 4.125%
HK$65,451
baseline
▲ 0.50% · 4.625%
HK$69,433
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,902/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,517
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,354
−HK$1,865/mo
Today · 4.125%
HK$72,219
baseline
▲ 0.50% · 4.625%
HK$76,025
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,438/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,700 · Scale 2, in force from 26 Feb 2026)