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$39,910
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,151
−HK$1,261/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,993
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,399
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,208/mo
Today · 4.125%
HK$46,798
baseline
▲ 0.50% · 4.625%
HK$49,264
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,596/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,381
−HK$1,514/mo
Today · 4.125%
HK$50,895
baseline
▲ 0.50% · 4.625%
HK$53,991
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,790/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,279
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,449/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,117
+HK$2,960/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,873
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,611
−HK$1,766/mo
Today · 4.125%
HK$59,377
baseline
▲ 0.50% · 4.625%
HK$62,990
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,754/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,159
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,826
−HK$1,691/mo
Today · 4.125%
HK$65,517
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,453/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,034/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,837
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,072
−HK$2,270/mo
Today · 4.125%
HK$76,342
baseline
▲ 0.50% · 4.625%
HK$80,987
+HK$4,645/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,684/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,918
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,062
−HK$2,174/mo
Today · 4.125%
HK$84,236
baseline
▲ 0.50% · 4.625%
HK$88,676
+HK$4,440/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,472/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,334 · Scale 2, in force from 26 Feb 2026)