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$41,000
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,295/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,241/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$50,611
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,200
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,731
−HK$1,555/mo
Today · 4.125%
HK$52,286
baseline
▲ 0.50% · 4.625%
HK$55,467
+HK$3,181/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,572/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,735
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,203
−HK$1,489/mo
Today · 4.125%
HK$57,692
baseline
▲ 0.50% · 4.625%
HK$60,733
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,384/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,401
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,186
−HK$1,814/mo
Today · 4.125%
HK$61,000
baseline
▲ 0.50% · 4.625%
HK$64,712
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$122,000/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,858
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$1,738/mo
Today · 4.125%
HK$67,308
baseline
▲ 0.50% · 4.625%
HK$70,855
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,616/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,801
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,096
−HK$2,333/mo
Today · 4.125%
HK$78,429
baseline
▲ 0.50% · 4.625%
HK$83,201
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,858/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,103
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,305
−HK$2,233/mo
Today · 4.125%
HK$86,538
baseline
▲ 0.50% · 4.625%
HK$91,100
+HK$4,562/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,076/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,273 · Scale 2, in force from 26 Feb 2026)