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$39,893
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,261/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,208/mo
Today · 4.125%
HK$46,779
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,558/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,872
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,513/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,969
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,257
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,449/mo
Today · 4.125%
HK$56,134
baseline
▲ 0.50% · 4.625%
HK$59,093
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,268/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,851
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,588
−HK$1,765/mo
Today · 4.125%
HK$59,353
baseline
▲ 0.50% · 4.625%
HK$62,964
+HK$3,611/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,706/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,133
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,800
−HK$1,690/mo
Today · 4.125%
HK$65,490
baseline
▲ 0.50% · 4.625%
HK$68,942
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,980/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,808
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,041
−HK$2,270/mo
Today · 4.125%
HK$76,311
baseline
▲ 0.50% · 4.625%
HK$80,954
+HK$4,643/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,622/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,886
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,028
−HK$2,173/mo
Today · 4.125%
HK$84,201
baseline
▲ 0.50% · 4.625%
HK$88,640
+HK$4,439/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,402/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,066 · Scale 2, in force from 26 Feb 2026)