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$39,924
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,166
−HK$1,261/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$45,009
+HK$2,582/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,415
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,208/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,282
+HK$2,468/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,908
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,514/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,450/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,138
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,632
−HK$1,766/mo
Today · 4.125%
HK$59,398
baseline
▲ 0.50% · 4.625%
HK$63,012
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,796/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,181
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,692/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$68,995
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,080/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,863
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,098
−HK$2,271/mo
Today · 4.125%
HK$76,369
baseline
▲ 0.50% · 4.625%
HK$81,016
+HK$4,647/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,738/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,947
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,091
−HK$2,175/mo
Today · 4.125%
HK$84,266
baseline
▲ 0.50% · 4.625%
HK$88,708
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,567 · Scale 2, in force from 26 Feb 2026)