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$34,223
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,081/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,582
+HK$2,213/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,036/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,115/mo
Deposit HK$7.50M · loan HK$7.50M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,298/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$46,299
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,243/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$50,694
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,514/mo
Today · 4.125%
HK$50,917
baseline
▲ 0.50% · 4.625%
HK$54,015
+HK$3,098/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,834/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,302
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,732
−HK$1,450/mo
Today · 4.125%
HK$56,182
baseline
▲ 0.50% · 4.625%
HK$59,144
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,364/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,602
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,518
−HK$1,947/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$69,448
+HK$3,983/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,532
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,370
−HK$1,864/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,042
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,821 · Scale 2, in force from 26 Feb 2026)