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$34,208
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,272
−HK$1,081/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,036/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,565 · 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$46,278
+HK$2,655/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$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,667
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,892
−HK$1,242/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,381
−HK$1,513/mo
Today · 4.125%
HK$50,894
baseline
▲ 0.50% · 4.625%
HK$53,991
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,788/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,278
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,707
−HK$1,450/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,117
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,574
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,946/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,338
−HK$1,863/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,565 · Scale 2, in force from 26 Feb 2026)