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$34,200
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$1,081/mo
Today · 4.125%
HK$36,345
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,690/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,035/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,217
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,040
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,297/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,242/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$50,660
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,880
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,370
−HK$1,513/mo
Today · 4.125%
HK$50,883
baseline
▲ 0.50% · 4.625%
HK$53,979
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,766/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,267
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,695
−HK$1,449/mo
Today · 4.125%
HK$56,144
baseline
▲ 0.50% · 4.625%
HK$59,104
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,288/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,561
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,945/mo
Today · 4.125%
HK$65,421
baseline
▲ 0.50% · 4.625%
HK$69,402
+HK$3,981/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,842/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,486
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,322
−HK$1,864/mo
Today · 4.125%
HK$72,186
baseline
▲ 0.50% · 4.625%
HK$75,991
+HK$3,805/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,372/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,443 · Scale 2, in force from 26 Feb 2026)