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$41,011
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,287
−HK$1,296/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$46,235
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,625
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,848
−HK$1,242/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$50,624
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,744
−HK$1,556/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,482
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,750
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,218
−HK$1,490/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$60,749
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,416
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,202
−HK$1,814/mo
Today · 4.125%
HK$61,016
baseline
▲ 0.50% · 4.625%
HK$64,729
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,032/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,875
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,588
−HK$1,737/mo
Today · 4.125%
HK$67,325
baseline
▲ 0.50% · 4.625%
HK$70,874
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,650/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,820
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,117
−HK$2,333/mo
Today · 4.125%
HK$78,450
baseline
▲ 0.50% · 4.625%
HK$83,223
+HK$4,773/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,900/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,124
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,327
−HK$2,234/mo
Today · 4.125%
HK$86,561
baseline
▲ 0.50% · 4.625%
HK$91,124
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,122/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,453 · Scale 2, in force from 26 Feb 2026)