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$39,889
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,130
−HK$1,261/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,970
+HK$2,579/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,566
−HK$1,208/mo
Today · 4.125%
HK$46,774
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,548/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,356
−HK$1,513/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,252
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,680
−HK$1,449/mo
Today · 4.125%
HK$56,129
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,258/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,845
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,582
−HK$1,765/mo
Today · 4.125%
HK$59,347
baseline
▲ 0.50% · 4.625%
HK$62,958
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,694/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,127
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,793
−HK$1,690/mo
Today · 4.125%
HK$65,483
baseline
▲ 0.50% · 4.625%
HK$68,935
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,966/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,800
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,034
−HK$2,269/mo
Today · 4.125%
HK$76,303
baseline
▲ 0.50% · 4.625%
HK$80,946
+HK$4,643/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,606/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,877
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,020
−HK$2,173/mo
Today · 4.125%
HK$84,193
baseline
▲ 0.50% · 4.625%
HK$88,631
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,386/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,998 · Scale 2, in force from 26 Feb 2026)