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$39,913
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,154
−HK$1,262/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,208/mo
Today · 4.125%
HK$46,801
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,602/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,385
−HK$1,514/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,283
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,712
−HK$1,450/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,122
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,878
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,616
−HK$1,766/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,995
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,164
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,691/mo
Today · 4.125%
HK$65,522
baseline
▲ 0.50% · 4.625%
HK$68,976
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,044/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,843
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,078
−HK$2,270/mo
Today · 4.125%
HK$76,348
baseline
▲ 0.50% · 4.625%
HK$80,994
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,696/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,925
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,068
−HK$2,175/mo
Today · 4.125%
HK$84,243
baseline
▲ 0.50% · 4.625%
HK$88,683
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,486/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,386 · Scale 2, in force from 26 Feb 2026)