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$34,211
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$1,081/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,035/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,330
−HK$1,297/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,671
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,896
−HK$1,243/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$50,676
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,385
−HK$1,514/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,283
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,712
−HK$1,450/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,122
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,580
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,946/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$69,423
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,507
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,344
−HK$1,864/mo
Today · 4.125%
HK$72,208
baseline
▲ 0.50% · 4.625%
HK$76,014
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,416/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,616 · Scale 2, in force from 26 Feb 2026)