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$34,182
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,536
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,027
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,034/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,296/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,653/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,856
−HK$1,242/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,343
−HK$1,512/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,449/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,527
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,944/mo
Today · 4.125%
HK$65,385
baseline
▲ 0.50% · 4.625%
HK$69,364
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,770/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,448
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,284
−HK$1,862/mo
Today · 4.125%
HK$72,146
baseline
▲ 0.50% · 4.625%
HK$75,949
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,292/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,137 · Scale 2, in force from 26 Feb 2026)