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$39,923
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,164
−HK$1,262/mo
Today · 4.125%
HK$42,426
baseline
▲ 0.50% · 4.625%
HK$45,008
+HK$2,582/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,852/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,208/mo
Today · 4.125%
HK$46,813
baseline
▲ 0.50% · 4.625%
HK$49,281
+HK$2,468/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,626/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,907
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,397
−HK$1,514/mo
Today · 4.125%
HK$50,911
baseline
▲ 0.50% · 4.625%
HK$54,009
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,822/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,296
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,451/mo
Today · 4.125%
HK$56,176
baseline
▲ 0.50% · 4.625%
HK$59,137
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,352/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,892
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,630
−HK$1,766/mo
Today · 4.125%
HK$59,396
baseline
▲ 0.50% · 4.625%
HK$63,011
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,792/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,179
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,692/mo
Today · 4.125%
HK$65,538
baseline
▲ 0.50% · 4.625%
HK$68,993
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,076/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,861
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,096
−HK$2,271/mo
Today · 4.125%
HK$76,367
baseline
▲ 0.50% · 4.625%
HK$81,014
+HK$4,647/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,734/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,944
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,088
−HK$2,175/mo
Today · 4.125%
HK$84,263
baseline
▲ 0.50% · 4.625%
HK$88,705
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,526/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,547 · Scale 2, in force from 26 Feb 2026)