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$34,212
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,276
−HK$1,081/mo
Today · 4.125%
HK$36,357
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,714/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,060
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,081
−HK$1,036/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,231
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,298/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,897
−HK$1,243/mo
Today · 4.125%
HK$48,140
baseline
▲ 0.50% · 4.625%
HK$50,678
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,280/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,387
−HK$1,513/mo
Today · 4.125%
HK$50,900
baseline
▲ 0.50% · 4.625%
HK$53,997
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,800/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,714
−HK$1,449/mo
Today · 4.125%
HK$56,163
baseline
▲ 0.50% · 4.625%
HK$59,124
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,326/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,581
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,497
−HK$1,946/mo
Today · 4.125%
HK$65,443
baseline
▲ 0.50% · 4.625%
HK$69,425
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,886/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,509
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,346
−HK$1,864/mo
Today · 4.125%
HK$72,210
baseline
▲ 0.50% · 4.625%
HK$76,016
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,420/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,633 · Scale 2, in force from 26 Feb 2026)