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$34,204
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$1,080/mo
Today · 4.125%
HK$36,348
baseline
▲ 0.50% · 4.625%
HK$38,560
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,696/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,051
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,072
−HK$1,035/mo
Today · 4.125%
HK$40,107
baseline
▲ 0.50% · 4.625%
HK$42,221
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,214/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,321
−HK$1,297/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,886
−HK$1,242/mo
Today · 4.125%
HK$48,128
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,256/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,885
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,375
−HK$1,513/mo
Today · 4.125%
HK$50,888
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$3,096/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,776/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,700
−HK$1,450/mo
Today · 4.125%
HK$56,150
baseline
▲ 0.50% · 4.625%
HK$59,109
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,300/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,567
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,482
−HK$1,945/mo
Today · 4.125%
HK$65,427
baseline
▲ 0.50% · 4.625%
HK$69,408
+HK$3,981/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,854/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,492
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,329
−HK$1,864/mo
Today · 4.125%
HK$72,193
baseline
▲ 0.50% · 4.625%
HK$75,998
+HK$3,805/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,386/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,497 · Scale 2, in force from 26 Feb 2026)