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$39,899
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,140
−HK$1,261/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,579/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,208/mo
Today · 4.125%
HK$46,785
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,466/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,570/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,878
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,368
−HK$1,513/mo
Today · 4.125%
HK$50,881
baseline
▲ 0.50% · 4.625%
HK$53,977
+HK$3,096/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,762/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,264
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,693
−HK$1,449/mo
Today · 4.125%
HK$56,142
baseline
▲ 0.50% · 4.625%
HK$59,101
+HK$2,959/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,284/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,858
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,595
−HK$1,766/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,973
+HK$3,612/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,141
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,808
−HK$1,691/mo
Today · 4.125%
HK$65,499
baseline
▲ 0.50% · 4.625%
HK$68,951
+HK$3,452/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$130,998/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$2,270/mo
Today · 4.125%
HK$76,321
baseline
▲ 0.50% · 4.625%
HK$80,965
+HK$4,644/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$152,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,896
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,039
−HK$2,174/mo
Today · 4.125%
HK$84,213
baseline
▲ 0.50% · 4.625%
HK$88,652
+HK$4,439/mo
Deposit HK$1.75M · loan HK$15.75M · min. income ≈ HK$168,426/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,153 · Scale 2, in force from 26 Feb 2026)