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$34,181
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,046
−HK$1,035/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,293
−HK$1,297/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$46,242
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,855
−HK$1,242/mo
Today · 4.125%
HK$48,097
baseline
▲ 0.50% · 4.625%
HK$50,632
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,194/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,513/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,949
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,237
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,448/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,071
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,526
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,440
−HK$1,945/mo
Today · 4.125%
HK$65,385
baseline
▲ 0.50% · 4.625%
HK$69,363
+HK$3,978/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,770/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,448
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,283
−HK$1,863/mo
Today · 4.125%
HK$72,146
baseline
▲ 0.50% · 4.625%
HK$75,948
+HK$3,802/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,292/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,130 · Scale 2, in force from 26 Feb 2026)