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$40,981
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,256
−HK$1,295/mo
Today · 4.125%
HK$43,551
baseline
▲ 0.50% · 4.625%
HK$46,201
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,102/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,591
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,814
−HK$1,241/mo
Today · 4.125%
HK$48,055
baseline
▲ 0.50% · 4.625%
HK$50,588
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,110/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,178
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,707
−HK$1,555/mo
Today · 4.125%
HK$52,262
baseline
▲ 0.50% · 4.625%
HK$55,442
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,524/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,710
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,177
−HK$1,488/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$60,705
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,374
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,159
−HK$1,813/mo
Today · 4.125%
HK$60,972
baseline
▲ 0.50% · 4.625%
HK$64,682
+HK$3,710/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,944/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,828
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,540
−HK$1,736/mo
Today · 4.125%
HK$67,276
baseline
▲ 0.50% · 4.625%
HK$70,823
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,552/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,767
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,061
−HK$2,331/mo
Today · 4.125%
HK$78,392
baseline
▲ 0.50% · 4.625%
HK$83,162
+HK$4,770/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,784/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,064
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,233/mo
Today · 4.125%
HK$86,498
baseline
▲ 0.50% · 4.625%
HK$91,058
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$172,996/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,961 · Scale 2, in force from 26 Feb 2026)