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$39,885
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,261/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,965
+HK$2,579/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,371
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,208/mo
Today · 4.125%
HK$46,769
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,538/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,862
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,350
−HK$1,513/mo
Today · 4.125%
HK$50,863
baseline
▲ 0.50% · 4.625%
HK$53,958
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,726/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,246
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,674
−HK$1,448/mo
Today · 4.125%
HK$56,122
baseline
▲ 0.50% · 4.625%
HK$59,081
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,244/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,839
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,765/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,951
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,680/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,120
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,786
−HK$1,690/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,792
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,026
−HK$2,268/mo
Today · 4.125%
HK$76,294
baseline
▲ 0.50% · 4.625%
HK$80,937
+HK$4,643/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,588/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,868
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,010
−HK$2,173/mo
Today · 4.125%
HK$84,183
baseline
▲ 0.50% · 4.625%
HK$88,621
+HK$4,438/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,366/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$655,925 · Scale 2, in force from 26 Feb 2026)