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$2,146/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$1,081/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$2,212/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,036/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,061
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,338
−HK$1,297/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$46,291
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,680
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,242/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$50,685
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.00M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,394
−HK$1,514/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$54,006
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,293
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,450/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.50M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,591
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,507
−HK$1,946/mo
Today · 4.125%
HK$65,453
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,906/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,519
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$1,864/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,028
+HK$3,807/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,720 · Scale 2, in force from 26 Feb 2026)