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$34,225
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$1,081/mo
Today · 4.125%
HK$36,371
baseline
▲ 0.50% · 4.625%
HK$38,584
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,742/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,075
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,096
−HK$1,036/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,248
+HK$2,116/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,264/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,298/mo
Today · 4.125%
HK$43,646
baseline
▲ 0.50% · 4.625%
HK$46,301
+HK$2,655/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,292/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,690
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,915
−HK$1,244/mo
Today · 4.125%
HK$48,159
baseline
▲ 0.50% · 4.625%
HK$50,697
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,318/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,915
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,406
−HK$1,514/mo
Today · 4.125%
HK$50,920
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,840/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,450/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,147
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,605
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,521
−HK$1,947/mo
Today · 4.125%
HK$65,468
baseline
▲ 0.50% · 4.625%
HK$69,452
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,936/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,535
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,373
−HK$1,865/mo
Today · 4.125%
HK$72,238
baseline
▲ 0.50% · 4.625%
HK$76,046
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,476/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,850 · Scale 2, in force from 26 Feb 2026)