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$34,210
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$1,081/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,058
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,035/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,297/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,243/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,894
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,514/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,281
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,710
−HK$1,450/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,120
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,578
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,493
−HK$1,946/mo
Today · 4.125%
HK$65,439
baseline
▲ 0.50% · 4.625%
HK$69,421
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,878/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,504
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,342
−HK$1,864/mo
Today · 4.125%
HK$72,206
baseline
▲ 0.50% · 4.625%
HK$76,012
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,412/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,598 · Scale 2, in force from 26 Feb 2026)