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$39,925
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,262/mo
Today · 4.125%
HK$42,429
baseline
▲ 0.50% · 4.625%
HK$45,010
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,858/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,416
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,607
−HK$1,209/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,468/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,400
−HK$1,514/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$54,012
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,299
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,729
−HK$1,450/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,140
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,895
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,634
−HK$1,766/mo
Today · 4.125%
HK$59,400
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,800/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,183
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,850
−HK$1,692/mo
Today · 4.125%
HK$65,542
baseline
▲ 0.50% · 4.625%
HK$68,997
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,084/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,865
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,100
−HK$2,272/mo
Today · 4.125%
HK$76,372
baseline
▲ 0.50% · 4.625%
HK$81,019
+HK$4,647/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,744/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,949
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,093
−HK$2,176/mo
Today · 4.125%
HK$84,269
baseline
▲ 0.50% · 4.625%
HK$88,710
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,538/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,588 · Scale 2, in force from 26 Feb 2026)