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$39,885
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,126
−HK$1,260/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,965
+HK$2,579/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,372
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,562
−HK$1,207/mo
Today · 4.125%
HK$46,769
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,538/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,862
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,351
−HK$1,512/mo
Today · 4.125%
HK$50,863
baseline
▲ 0.50% · 4.625%
HK$53,958
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,726/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,246
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,674
−HK$1,449/mo
Today · 4.125%
HK$56,123
baseline
▲ 0.50% · 4.625%
HK$59,081
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,246/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,839
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,576
−HK$1,765/mo
Today · 4.125%
HK$59,341
baseline
▲ 0.50% · 4.625%
HK$62,951
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,682/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,120
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,786
−HK$1,690/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$68,928
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,793
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,026
−HK$2,269/mo
Today · 4.125%
HK$76,295
baseline
▲ 0.50% · 4.625%
HK$80,937
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,869
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,011
−HK$2,173/mo
Today · 4.125%
HK$84,184
baseline
▲ 0.50% · 4.625%
HK$88,621
+HK$4,437/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,368/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,930 · Scale 2, in force from 26 Feb 2026)