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$39,911
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,261/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,401
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,592
−HK$1,208/mo
Today · 4.125%
HK$46,800
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,600/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,514/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,281
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,710
−HK$1,449/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,120
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,876
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,614
−HK$1,765/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,993
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,161
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,828
−HK$1,691/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$68,973
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,840
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,075
−HK$2,270/mo
Today · 4.125%
HK$76,345
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,690/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,921
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,065
−HK$2,174/mo
Today · 4.125%
HK$84,239
baseline
▲ 0.50% · 4.625%
HK$88,680
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,478/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,359 · Scale 2, in force from 26 Feb 2026)