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$34,220
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$1,081/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,579
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,091
−HK$1,036/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,064
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,298/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$46,295
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,909
−HK$1,243/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$50,690
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,909
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,514/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,450/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,138
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,513
−HK$1,946/mo
Today · 4.125%
HK$65,459
baseline
▲ 0.50% · 4.625%
HK$69,442
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,918/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,526
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,364
−HK$1,864/mo
Today · 4.125%
HK$72,228
baseline
▲ 0.50% · 4.625%
HK$76,035
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,456/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,773 · Scale 2, in force from 26 Feb 2026)