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$39,914
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,261/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,998
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,208/mo
Today · 4.125%
HK$46,803
baseline
▲ 0.50% · 4.625%
HK$49,270
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,606/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,387
−HK$1,514/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,998
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,714
−HK$1,450/mo
Today · 4.125%
HK$56,164
baseline
▲ 0.50% · 4.625%
HK$59,124
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,328/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,880
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,766/mo
Today · 4.125%
HK$59,384
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,768/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,166
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,833
−HK$1,691/mo
Today · 4.125%
HK$65,524
baseline
▲ 0.50% · 4.625%
HK$68,978
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,048/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,080
−HK$2,271/mo
Today · 4.125%
HK$76,351
baseline
▲ 0.50% · 4.625%
HK$80,997
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,702/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,927
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,071
−HK$2,175/mo
Today · 4.125%
HK$84,246
baseline
▲ 0.50% · 4.625%
HK$88,686
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,492/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,410 · Scale 2, in force from 26 Feb 2026)