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$39,897
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,138
−HK$1,260/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,385
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,208/mo
Today · 4.125%
HK$46,783
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,566/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,876
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,365
−HK$1,513/mo
Today · 4.125%
HK$50,878
baseline
▲ 0.50% · 4.625%
HK$53,974
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,756/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,261
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,690
−HK$1,449/mo
Today · 4.125%
HK$56,139
baseline
▲ 0.50% · 4.625%
HK$59,098
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,278/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,855
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,765/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,970
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,138
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,691/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$68,948
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,814
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,048
−HK$2,269/mo
Today · 4.125%
HK$76,317
baseline
▲ 0.50% · 4.625%
HK$80,961
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,634/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,892
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,035
−HK$2,174/mo
Today · 4.125%
HK$84,209
baseline
▲ 0.50% · 4.625%
HK$88,647
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,418/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,120 · Scale 2, in force from 26 Feb 2026)