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$34,226
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$1,081/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,036/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,116/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,071
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,298/mo
Today · 4.125%
HK$43,647
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,294/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,917
−HK$1,243/mo
Today · 4.125%
HK$48,160
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,320/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,916
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,407
−HK$1,514/mo
Today · 4.125%
HK$50,921
baseline
▲ 0.50% · 4.625%
HK$54,019
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,842/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,306
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,736
−HK$1,450/mo
Today · 4.125%
HK$56,186
baseline
▲ 0.50% · 4.625%
HK$59,148
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,372/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,607
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,523
−HK$1,947/mo
Today · 4.125%
HK$65,470
baseline
▲ 0.50% · 4.625%
HK$69,454
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,940/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,537
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,375
−HK$1,865/mo
Today · 4.125%
HK$72,240
baseline
▲ 0.50% · 4.625%
HK$76,047
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,480/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,863 · Scale 2, in force from 26 Feb 2026)