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$2,144/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$1,080/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$2,211/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,035/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,114/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,296/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,654/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,646
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,242/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$50,648
+HK$2,536/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,306 · 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$562,306 · 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$59,089
+HK$2,958/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$562,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,546
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,460
−HK$1,945/mo
Today · 4.125%
HK$65,405
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,980/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$130,810/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,469
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$1,863/mo
Today · 4.125%
HK$72,168
baseline
▲ 0.50% · 4.625%
HK$75,972
+HK$3,804/mo
Deposit HK$1.50M · loan HK$13.50M · min. income ≈ HK$144,336/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,306 · Scale 2, in force from 26 Feb 2026)