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$39,893
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,133
−HK$1,261/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,380
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,208/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,243
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,513/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,968
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,449/mo
Today · 4.125%
HK$56,133
baseline
▲ 0.50% · 4.625%
HK$59,092
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,266/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,850
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,587
−HK$1,765/mo
Today · 4.125%
HK$59,352
baseline
▲ 0.50% · 4.625%
HK$62,963
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,704/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,132
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,798
−HK$1,691/mo
Today · 4.125%
HK$65,489
baseline
▲ 0.50% · 4.625%
HK$68,941
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,978/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,807
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,040
−HK$2,269/mo
Today · 4.125%
HK$76,309
baseline
▲ 0.50% · 4.625%
HK$80,953
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,618/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,884
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,026
−HK$2,174/mo
Today · 4.125%
HK$84,200
baseline
▲ 0.50% · 4.625%
HK$88,638
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,400/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,054 · Scale 2, in force from 26 Feb 2026)