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$39,908
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,149
−HK$1,261/mo
Today · 4.125%
HK$42,410
baseline
▲ 0.50% · 4.625%
HK$44,991
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,820/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,397
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,208/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,262
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,889
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,379
−HK$1,513/mo
Today · 4.125%
HK$50,892
baseline
▲ 0.50% · 4.625%
HK$53,989
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,784/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,276
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,705
−HK$1,450/mo
Today · 4.125%
HK$56,155
baseline
▲ 0.50% · 4.625%
HK$59,115
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,310/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,871
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,609
−HK$1,766/mo
Today · 4.125%
HK$59,375
baseline
▲ 0.50% · 4.625%
HK$62,987
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,750/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,156
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,823
−HK$1,691/mo
Today · 4.125%
HK$65,514
baseline
▲ 0.50% · 4.625%
HK$68,967
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,028/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,834
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,069
−HK$2,270/mo
Today · 4.125%
HK$76,339
baseline
▲ 0.50% · 4.625%
HK$80,984
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,678/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,915
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,058
−HK$2,174/mo
Today · 4.125%
HK$84,232
baseline
▲ 0.50% · 4.625%
HK$88,672
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,464/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,306 · Scale 2, in force from 26 Feb 2026)