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$39,922
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,164
−HK$1,261/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,582/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,208/mo
Today · 4.125%
HK$46,812
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,468/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,624/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,906
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,396
−HK$1,514/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$54,008
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,450/mo
Today · 4.125%
HK$56,175
baseline
▲ 0.50% · 4.625%
HK$59,136
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,350/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,891
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,766/mo
Today · 4.125%
HK$59,395
baseline
▲ 0.50% · 4.625%
HK$63,009
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,790/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,845
−HK$1,692/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$68,992
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,859
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,095
−HK$2,271/mo
Today · 4.125%
HK$76,366
baseline
▲ 0.50% · 4.625%
HK$81,012
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,732/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,943
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,087
−HK$2,175/mo
Today · 4.125%
HK$84,262
baseline
▲ 0.50% · 4.625%
HK$88,703
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,524/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,536 · Scale 2, in force from 26 Feb 2026)