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$39,906
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,261/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,989
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,395
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,208/mo
Today · 4.125%
HK$46,794
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,588/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,888
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,514/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,987
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,703
−HK$1,450/mo
Today · 4.125%
HK$56,153
baseline
▲ 0.50% · 4.625%
HK$59,113
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,306/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,869
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,607
−HK$1,765/mo
Today · 4.125%
HK$59,372
baseline
▲ 0.50% · 4.625%
HK$62,985
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,744/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,154
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,821
−HK$1,691/mo
Today · 4.125%
HK$65,512
baseline
▲ 0.50% · 4.625%
HK$68,965
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,024/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,831
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,066
−HK$2,270/mo
Today · 4.125%
HK$76,336
baseline
▲ 0.50% · 4.625%
HK$80,981
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,672/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,912
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,055
−HK$2,174/mo
Today · 4.125%
HK$84,229
baseline
▲ 0.50% · 4.625%
HK$88,669
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,458/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,282 · Scale 2, in force from 26 Feb 2026)