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$39,915
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,157
−HK$1,261/mo
Today · 4.125%
HK$42,418
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,836/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,405
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,208/mo
Today · 4.125%
HK$46,804
baseline
▲ 0.50% · 4.625%
HK$49,271
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,608/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,898
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,388
−HK$1,514/mo
Today · 4.125%
HK$50,902
baseline
▲ 0.50% · 4.625%
HK$53,999
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,804/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,286
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,450/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,881
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,619
−HK$1,766/mo
Today · 4.125%
HK$59,385
baseline
▲ 0.50% · 4.625%
HK$62,999
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,770/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,167
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,834
−HK$1,692/mo
Today · 4.125%
HK$65,526
baseline
▲ 0.50% · 4.625%
HK$68,980
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,052/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,847
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,082
−HK$2,270/mo
Today · 4.125%
HK$76,352
baseline
▲ 0.50% · 4.625%
HK$80,998
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,704/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,929
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,073
−HK$2,174/mo
Today · 4.125%
HK$84,247
baseline
▲ 0.50% · 4.625%
HK$88,688
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,494/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,422 · Scale 2, in force from 26 Feb 2026)