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$39,882
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,261/mo
Today · 4.125%
HK$42,383
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,579/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,766/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,368
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,207/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,465/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,858
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,347
−HK$1,512/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,954
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,718/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,242
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,448/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,076
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,835
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,765/mo
Today · 4.125%
HK$59,336
baseline
▲ 0.50% · 4.625%
HK$62,946
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,672/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,115
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,690/mo
Today · 4.125%
HK$65,471
baseline
▲ 0.50% · 4.625%
HK$68,922
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,942/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,787
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,020
−HK$2,269/mo
Today · 4.125%
HK$76,289
baseline
▲ 0.50% · 4.625%
HK$80,931
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,578/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,863
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$82,004
−HK$2,173/mo
Today · 4.125%
HK$84,177
baseline
▲ 0.50% · 4.625%
HK$88,614
+HK$4,437/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,354/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,878 · Scale 2, in force from 26 Feb 2026)