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$34,214
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$1,081/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,675 · 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$42,234
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,298/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$562,675 · 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$50,681
+HK$2,537/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$562,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,900
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,390
−HK$1,514/mo
Today · 4.125%
HK$50,904
baseline
▲ 0.50% · 4.625%
HK$54,001
+HK$3,097/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$562,675 · 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$59,128
+HK$2,960/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$562,675 · 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$69,430
+HK$3,982/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$562,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,514
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,351
−HK$1,864/mo
Today · 4.125%
HK$72,215
baseline
▲ 0.50% · 4.625%
HK$76,022
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,430/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,675 · Scale 2, in force from 26 Feb 2026)