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$35,247
−HK$1,081/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,035/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,021
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,296/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,653/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,242/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$50,636
+HK$2,535/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,858
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,346
−HK$1,513/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$3,094/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,241
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,669
−HK$1,449/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,531
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,445
−HK$1,945/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$562,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$1,862/mo
Today · 4.125%
HK$72,151
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,302/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,176 · Scale 2, in force from 26 Feb 2026)