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$39,903
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,144
−HK$1,261/mo
Today · 4.125%
HK$42,405
baseline
▲ 0.50% · 4.625%
HK$44,986
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,810/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,392
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,208/mo
Today · 4.125%
HK$46,790
baseline
▲ 0.50% · 4.625%
HK$49,257
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,580/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,884
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,373
−HK$1,513/mo
Today · 4.125%
HK$50,886
baseline
▲ 0.50% · 4.625%
HK$53,983
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,772/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,270
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,699
−HK$1,449/mo
Today · 4.125%
HK$56,148
baseline
▲ 0.50% · 4.625%
HK$59,108
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,296/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,864
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,602
−HK$1,766/mo
Today · 4.125%
HK$59,368
baseline
▲ 0.50% · 4.625%
HK$62,980
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,736/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,148
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,815
−HK$1,691/mo
Today · 4.125%
HK$65,506
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,012/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,826
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,060
−HK$2,270/mo
Today · 4.125%
HK$76,330
baseline
▲ 0.50% · 4.625%
HK$80,974
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,660/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,905
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,048
−HK$2,174/mo
Today · 4.125%
HK$84,222
baseline
▲ 0.50% · 4.625%
HK$88,662
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,444/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,227 · Scale 2, in force from 26 Feb 2026)