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$34,219
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$1,082/mo
Today · 4.125%
HK$36,365
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,730/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,036/mo
Today · 4.125%
HK$40,125
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,250/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,063
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,340
−HK$1,297/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$46,293
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,243/mo
Today · 4.125%
HK$48,150
baseline
▲ 0.50% · 4.625%
HK$50,688
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,300/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,906
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,396
−HK$1,514/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$54,008
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,450/mo
Today · 4.125%
HK$56,175
baseline
▲ 0.50% · 4.625%
HK$59,136
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,350/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,594
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,510
−HK$1,946/mo
Today · 4.125%
HK$65,456
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,912/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,360
−HK$1,865/mo
Today · 4.125%
HK$72,225
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,450/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,746 · Scale 2, in force from 26 Feb 2026)