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$40,977
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,252
−HK$1,295/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$46,197
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,587
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,810
−HK$1,240/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,583
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,173
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,554/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,704
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,171
−HK$1,489/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$60,699
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,368
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,153
−HK$1,813/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,675
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,822
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,533
−HK$1,737/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,759
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,054
−HK$2,331/mo
Today · 4.125%
HK$78,385
baseline
▲ 0.50% · 4.625%
HK$83,154
+HK$4,769/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,770/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,057
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,257
−HK$2,233/mo
Today · 4.125%
HK$86,490
baseline
▲ 0.50% · 4.625%
HK$91,049
+HK$4,559/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,980/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,895 · Scale 2, in force from 26 Feb 2026)