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$39,888
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,129
−HK$1,260/mo
Today · 4.125%
HK$42,389
baseline
▲ 0.50% · 4.625%
HK$44,969
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,778/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,375
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,565
−HK$1,207/mo
Today · 4.125%
HK$46,772
baseline
▲ 0.50% · 4.625%
HK$49,238
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,544/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,513/mo
Today · 4.125%
HK$50,867
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,734/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,678
−HK$1,449/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,085
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,843
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,580
−HK$1,765/mo
Today · 4.125%
HK$59,345
baseline
▲ 0.50% · 4.625%
HK$62,956
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,690/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,125
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,791
−HK$1,690/mo
Today · 4.125%
HK$65,481
baseline
▲ 0.50% · 4.625%
HK$68,933
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,962/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,798
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,032
−HK$2,269/mo
Today · 4.125%
HK$76,301
baseline
▲ 0.50% · 4.625%
HK$80,943
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,602/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,875
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,017
−HK$2,173/mo
Today · 4.125%
HK$84,190
baseline
▲ 0.50% · 4.625%
HK$88,628
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,380/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,978 · Scale 2, in force from 26 Feb 2026)