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$34,198
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,262
−HK$1,081/mo
Today · 4.125%
HK$36,343
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,686/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,045
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,035/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,315
−HK$1,297/mo
Today · 4.125%
HK$43,612
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,224/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,242/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,878
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,513/mo
Today · 4.125%
HK$50,880
baseline
▲ 0.50% · 4.625%
HK$53,976
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,760/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,264
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,692
−HK$1,449/mo
Today · 4.125%
HK$56,141
baseline
▲ 0.50% · 4.625%
HK$59,100
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,282/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,945/mo
Today · 4.125%
HK$65,417
baseline
▲ 0.50% · 4.625%
HK$69,398
+HK$3,981/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,834/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,318
−HK$1,864/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$75,986
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,364/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,411 · Scale 2, in force from 26 Feb 2026)