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$34,217
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$1,081/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,036/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,298/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,243/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,903
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,393
−HK$1,514/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,292
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,721
−HK$1,450/mo
Today · 4.125%
HK$56,171
baseline
▲ 0.50% · 4.625%
HK$59,132
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,342/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,590
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,506
−HK$1,946/mo
Today · 4.125%
HK$65,452
baseline
▲ 0.50% · 4.625%
HK$69,435
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,904/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,518
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$1,864/mo
Today · 4.125%
HK$72,220
baseline
▲ 0.50% · 4.625%
HK$76,027
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,440/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,709 · Scale 2, in force from 26 Feb 2026)