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$39,902
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,261/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,208/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,882
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,372
−HK$1,513/mo
Today · 4.125%
HK$50,885
baseline
▲ 0.50% · 4.625%
HK$53,981
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,770/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,269
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,697
−HK$1,449/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,106
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,863
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,600
−HK$1,766/mo
Today · 4.125%
HK$59,366
baseline
▲ 0.50% · 4.625%
HK$62,978
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,732/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,147
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,813
−HK$1,691/mo
Today · 4.125%
HK$65,504
baseline
▲ 0.50% · 4.625%
HK$68,957
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,008/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,823
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,058
−HK$2,269/mo
Today · 4.125%
HK$76,327
baseline
▲ 0.50% · 4.625%
HK$80,972
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,654/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,903
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,046
−HK$2,174/mo
Today · 4.125%
HK$84,220
baseline
▲ 0.50% · 4.625%
HK$88,659
+HK$4,439/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,440/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,208 · Scale 2, in force from 26 Feb 2026)