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$34,194
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$1,081/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,549
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,040
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,035/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,209
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,032
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,296/mo
Today · 4.125%
HK$43,605
baseline
▲ 0.50% · 4.625%
HK$46,259
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,210/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,648
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,242/mo
Today · 4.125%
HK$48,114
baseline
▲ 0.50% · 4.625%
HK$50,651
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,228/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,513/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,969
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,449/mo
Today · 4.125%
HK$56,133
baseline
▲ 0.50% · 4.625%
HK$59,092
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,266/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,549
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,463
−HK$1,945/mo
Today · 4.125%
HK$65,408
baseline
▲ 0.50% · 4.625%
HK$69,388
+HK$3,980/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,816/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,472
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$1,863/mo
Today · 4.125%
HK$72,172
baseline
▲ 0.50% · 4.625%
HK$75,976
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,344/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,333 · Scale 2, in force from 26 Feb 2026)