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$34,215
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$1,081/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,063
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,036/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,297/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,243/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$50,682
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,391
−HK$1,513/mo
Today · 4.125%
HK$50,904
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,808/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,289
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,718
−HK$1,450/mo
Today · 4.125%
HK$56,168
baseline
▲ 0.50% · 4.625%
HK$59,129
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,336/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,586
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,502
−HK$1,946/mo
Today · 4.125%
HK$65,448
baseline
▲ 0.50% · 4.625%
HK$69,431
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,896/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,514
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$1,864/mo
Today · 4.125%
HK$72,216
baseline
▲ 0.50% · 4.625%
HK$76,023
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,432/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,679 · Scale 2, in force from 26 Feb 2026)