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$39,907
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,261/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,990
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,208/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,888
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,378
−HK$1,513/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,988
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,450/mo
Today · 4.125%
HK$56,154
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,308/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,870
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,765/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,986
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,746/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,154
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,821
−HK$1,691/mo
Today · 4.125%
HK$65,512
baseline
▲ 0.50% · 4.625%
HK$68,966
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,024/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,832
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$2,270/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,982
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,913
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,174/mo
Today · 4.125%
HK$84,230
baseline
▲ 0.50% · 4.625%
HK$88,670
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,460/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,291 · Scale 2, in force from 26 Feb 2026)