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$34,206
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$1,081/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,035/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,047
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,297/mo
Today · 4.125%
HK$43,621
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,242/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,889
−HK$1,242/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$50,668
+HK$2,537/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,888
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,378
−HK$1,513/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,988
+HK$3,097/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,449/mo
Today · 4.125%
HK$56,153
baseline
▲ 0.50% · 4.625%
HK$59,113
+HK$2,960/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,306/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,570
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,485
−HK$1,946/mo
Today · 4.125%
HK$65,431
baseline
▲ 0.50% · 4.625%
HK$69,413
+HK$3,982/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,862/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,496
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,333
−HK$1,864/mo
Today · 4.125%
HK$72,197
baseline
▲ 0.50% · 4.625%
HK$76,003
+HK$3,806/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,394/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,531 · Scale 2, in force from 26 Feb 2026)