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$39,912
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,262/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,580/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,401
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,592
−HK$1,208/mo
Today · 4.125%
HK$46,800
baseline
▲ 0.50% · 4.625%
HK$49,267
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,600/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,894
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,384
−HK$1,514/mo
Today · 4.125%
HK$50,898
baseline
▲ 0.50% · 4.625%
HK$53,995
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,796/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,711
−HK$1,449/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,877
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,615
−HK$1,765/mo
Today · 4.125%
HK$59,380
baseline
▲ 0.50% · 4.625%
HK$62,994
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,760/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,162
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,829
−HK$1,691/mo
Today · 4.125%
HK$65,520
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,040/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,841
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,076
−HK$2,270/mo
Today · 4.125%
HK$76,346
baseline
▲ 0.50% · 4.625%
HK$80,992
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,692/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,923
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,175/mo
Today · 4.125%
HK$84,241
baseline
▲ 0.50% · 4.625%
HK$88,681
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,482/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,370 · Scale 2, in force from 26 Feb 2026)