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$34,196
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$1,081/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,551
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,035/mo
Today · 4.125%
HK$40,098
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,196/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,035
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,297/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$46,262
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,651
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,242/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$50,654
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,874
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,363
−HK$1,513/mo
Today · 4.125%
HK$50,876
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,752/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,259
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,688
−HK$1,449/mo
Today · 4.125%
HK$56,137
baseline
▲ 0.50% · 4.625%
HK$59,096
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,274/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,552
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,467
−HK$1,945/mo
Today · 4.125%
HK$65,412
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,980/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,824/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$1,863/mo
Today · 4.125%
HK$72,176
baseline
▲ 0.50% · 4.625%
HK$75,980
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,352/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,367 · Scale 2, in force from 26 Feb 2026)