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$34,209
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$1,081/mo
Today · 4.125%
HK$36,354
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,708/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,035/mo
Today · 4.125%
HK$40,113
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,226/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,297/mo
Today · 4.125%
HK$43,625
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,250/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,669
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,242/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,513/mo
Today · 4.125%
HK$50,896
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,792/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,709
−HK$1,450/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,576
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,492
−HK$1,946/mo
Today · 4.125%
HK$65,438
baseline
▲ 0.50% · 4.625%
HK$69,420
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,876/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,503
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,340
−HK$1,864/mo
Today · 4.125%
HK$72,204
baseline
▲ 0.50% · 4.625%
HK$76,010
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,408/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,588 · Scale 2, in force from 26 Feb 2026)