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$40,983
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,257
−HK$1,296/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$46,203
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,240/mo
Today · 4.125%
HK$48,056
baseline
▲ 0.50% · 4.625%
HK$50,589
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,112/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,179
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,554/mo
Today · 4.125%
HK$52,263
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,526/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,711
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,179
−HK$1,488/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$60,707
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,376
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,160
−HK$1,814/mo
Today · 4.125%
HK$60,974
baseline
▲ 0.50% · 4.625%
HK$64,684
+HK$3,710/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,948/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,830
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,542
−HK$1,736/mo
Today · 4.125%
HK$67,278
baseline
▲ 0.50% · 4.625%
HK$70,825
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,556/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,769
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,063
−HK$2,332/mo
Today · 4.125%
HK$78,395
baseline
▲ 0.50% · 4.625%
HK$83,165
+HK$4,770/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,790/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,067
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,268
−HK$2,233/mo
Today · 4.125%
HK$86,501
baseline
▲ 0.50% · 4.625%
HK$91,061
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,982 · Scale 2, in force from 26 Feb 2026)