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$39,901
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,261/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,208/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,254
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,881
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,513/mo
Today · 4.125%
HK$50,884
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,768/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,268
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,450/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,105
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,862
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,766/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,977
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,146
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,812
−HK$1,691/mo
Today · 4.125%
HK$65,503
baseline
▲ 0.50% · 4.625%
HK$68,956
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,006/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,822
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$2,270/mo
Today · 4.125%
HK$76,326
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,652/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,901
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,044
−HK$2,174/mo
Today · 4.125%
HK$84,218
baseline
▲ 0.50% · 4.625%
HK$88,658
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,436/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,197 · Scale 2, in force from 26 Feb 2026)