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$34,188
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$1,080/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,034
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,035/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,026
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,296/mo
Today · 4.125%
HK$43,598
baseline
▲ 0.50% · 4.625%
HK$46,251
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,196/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,865
−HK$1,242/mo
Today · 4.125%
HK$48,107
baseline
▲ 0.50% · 4.625%
HK$50,642
+HK$2,535/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,214/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,352
−HK$1,513/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,960
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,730/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,676
−HK$1,448/mo
Today · 4.125%
HK$56,124
baseline
▲ 0.50% · 4.625%
HK$59,083
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,248/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,539
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,453
−HK$1,945/mo
Today · 4.125%
HK$65,398
baseline
▲ 0.50% · 4.625%
HK$69,377
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,796/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$1,863/mo
Today · 4.125%
HK$72,160
baseline
▲ 0.50% · 4.625%
HK$75,964
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,320/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,242 · Scale 2, in force from 26 Feb 2026)