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$39,919
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,261/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$45,003
+HK$2,581/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,409
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,209/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,467/mo
Deposit HK$8.75M · loan HK$8.75M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,903
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,393
−HK$1,514/mo
Today · 4.125%
HK$50,907
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$3,097/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$101,814/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,291
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,720
−HK$1,450/mo
Today · 4.125%
HK$56,170
baseline
▲ 0.50% · 4.625%
HK$59,131
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.50M · min. income ≈ HK$112,340/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,886
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,625
−HK$1,766/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$63,005
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,173
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,841
−HK$1,691/mo
Today · 4.125%
HK$65,532
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,454/mo
Deposit HK$5.25M · loan HK$12.25M · min. income ≈ HK$131,064/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,854
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,089
−HK$2,271/mo
Today · 4.125%
HK$76,360
baseline
▲ 0.50% · 4.625%
HK$81,006
+HK$4,646/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,720/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,937
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,081
−HK$2,175/mo
Today · 4.125%
HK$84,256
baseline
▲ 0.50% · 4.625%
HK$88,697
+HK$4,441/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,512/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,487 · Scale 2, in force from 26 Feb 2026)