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$41,013
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,289
−HK$1,296/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$46,237
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,850
−HK$1,242/mo
Today · 4.125%
HK$48,092
baseline
▲ 0.50% · 4.625%
HK$50,627
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,184/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,216
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,555/mo
Today · 4.125%
HK$52,302
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$3,183/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,604/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,752
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,220
−HK$1,490/mo
Today · 4.125%
HK$57,710
baseline
▲ 0.50% · 4.625%
HK$60,752
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,420/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,418
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,204
−HK$1,815/mo
Today · 4.125%
HK$61,019
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,038/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,877
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,591
−HK$1,738/mo
Today · 4.125%
HK$67,329
baseline
▲ 0.50% · 4.625%
HK$70,877
+HK$3,548/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,658/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,824
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,120
−HK$2,333/mo
Today · 4.125%
HK$78,453
baseline
▲ 0.50% · 4.625%
HK$83,227
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,906/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,128
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,331
−HK$2,234/mo
Today · 4.125%
HK$86,565
baseline
▲ 0.50% · 4.625%
HK$91,128
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,130/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,483 · Scale 2, in force from 26 Feb 2026)