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$35,253
−HK$1,081/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$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,056
−HK$1,035/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,204
+HK$2,113/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$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,028
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,304
−HK$1,296/mo
Today · 4.125%
HK$43,600
baseline
▲ 0.50% · 4.625%
HK$46,253
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,200/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,242/mo
Today · 4.125%
HK$48,109
baseline
▲ 0.50% · 4.625%
HK$50,645
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,218/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,513/mo
Today · 4.125%
HK$50,867
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,734/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,678
−HK$1,449/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,085
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,541
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,456
−HK$1,945/mo
Today · 4.125%
HK$65,401
baseline
▲ 0.50% · 4.625%
HK$69,380
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,802/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,464
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,300
−HK$1,863/mo
Today · 4.125%
HK$72,163
baseline
▲ 0.50% · 4.625%
HK$75,967
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,326/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,268 · Scale 2, in force from 26 Feb 2026)