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$39,920
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,162
−HK$1,261/mo
Today · 4.125%
HK$42,423
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,582/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,846/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,410
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,602
−HK$1,208/mo
Today · 4.125%
HK$46,810
baseline
▲ 0.50% · 4.625%
HK$49,277
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,620/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,394
−HK$1,514/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,293
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,450/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,888
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,626
−HK$1,767/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$63,006
+HK$3,613/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,175
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,842
−HK$1,692/mo
Today · 4.125%
HK$65,534
baseline
▲ 0.50% · 4.625%
HK$68,988
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,068/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,091
−HK$2,271/mo
Today · 4.125%
HK$76,362
baseline
▲ 0.50% · 4.625%
HK$81,008
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,724/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,939
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,083
−HK$2,175/mo
Today · 4.125%
HK$84,258
baseline
▲ 0.50% · 4.625%
HK$88,699
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,516/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,504 · Scale 2, in force from 26 Feb 2026)