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$34,226
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$1,082/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,586
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,036/mo
Today · 4.125%
HK$40,134
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,268/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,298/mo
Today · 4.125%
HK$43,647
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,294/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,917
−HK$1,243/mo
Today · 4.125%
HK$48,160
baseline
▲ 0.50% · 4.625%
HK$50,699
+HK$2,539/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,320/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,917
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,407
−HK$1,515/mo
Today · 4.125%
HK$50,922
baseline
▲ 0.50% · 4.625%
HK$54,020
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,844/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,307
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,737
−HK$1,450/mo
Today · 4.125%
HK$56,187
baseline
▲ 0.50% · 4.625%
HK$59,149
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,374/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,608
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,947/mo
Today · 4.125%
HK$65,471
baseline
▲ 0.50% · 4.625%
HK$69,455
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,942/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,538
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$1,865/mo
Today · 4.125%
HK$72,241
baseline
▲ 0.50% · 4.625%
HK$76,049
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,482/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,872 · Scale 2, in force from 26 Feb 2026)