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$2,146/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,081/mo
Today · 4.125%
HK$36,358
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,716/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,035/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,115/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$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,297/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,655/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$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,243/mo
Today · 4.125%
HK$48,141
baseline
▲ 0.50% · 4.625%
HK$50,678
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,282/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,387
−HK$1,514/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,998
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,449/mo
Today · 4.125%
HK$56,164
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,328/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,946/mo
Today · 4.125%
HK$65,444
baseline
▲ 0.50% · 4.625%
HK$69,426
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,888/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$1,864/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,642 · Scale 2, in force from 26 Feb 2026)