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$34,192
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$1,081/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$2,210/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,035/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,113/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,031
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,297/mo
Today · 4.125%
HK$43,604
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,653/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,208/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,646
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,871
−HK$1,242/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$50,649
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,869
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,513/mo
Today · 4.125%
HK$50,871
baseline
▲ 0.50% · 4.625%
HK$53,966
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,742/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,254
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,682
−HK$1,449/mo
Today · 4.125%
HK$56,131
baseline
▲ 0.50% · 4.625%
HK$59,090
+HK$2,959/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,262/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,546
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,461
−HK$1,945/mo
Today · 4.125%
HK$65,406
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,812/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,470
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,306
−HK$1,863/mo
Today · 4.125%
HK$72,169
baseline
▲ 0.50% · 4.625%
HK$75,973
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,338/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,311 · Scale 2, in force from 26 Feb 2026)