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$34,184
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$1,080/mo
Today · 4.125%
HK$36,328
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,656/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,030
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,034/mo
Today · 4.125%
HK$40,084
baseline
▲ 0.50% · 4.625%
HK$42,197
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,168/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,021
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,297/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,241/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$50,637
+HK$2,536/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,858
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,347
−HK$1,512/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,954
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,718/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,242
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,448/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,076
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,532
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,944/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,780/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$1,863/mo
Today · 4.125%
HK$72,152
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,304/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,179 · Scale 2, in force from 26 Feb 2026)