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$34,207
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,271
−HK$1,081/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,035/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,049
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,297/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,242/mo
Today · 4.125%
HK$48,133
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,266/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,890
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,380
−HK$1,513/mo
Today · 4.125%
HK$50,893
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,786/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,277
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,706
−HK$1,450/mo
Today · 4.125%
HK$56,156
baseline
▲ 0.50% · 4.625%
HK$59,116
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,312/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,488
−HK$1,946/mo
Today · 4.125%
HK$65,434
baseline
▲ 0.50% · 4.625%
HK$69,416
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,868/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,499
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,337
−HK$1,863/mo
Today · 4.125%
HK$72,200
baseline
▲ 0.50% · 4.625%
HK$76,006
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,400/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,557 · Scale 2, in force from 26 Feb 2026)