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$34,184
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,247
−HK$1,080/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,034/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,296
−HK$1,297/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,858
−HK$1,242/mo
Today · 4.125%
HK$48,100
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,200/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,857
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,346
−HK$1,512/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,240
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,449/mo
Today · 4.125%
HK$56,117
baseline
▲ 0.50% · 4.625%
HK$59,075
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,234/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,530
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,444
−HK$1,945/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$69,368
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,452
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,288
−HK$1,862/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$75,953
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,166 · Scale 2, in force from 26 Feb 2026)