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$40,989
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,296/mo
Today · 4.125%
HK$43,560
baseline
▲ 0.50% · 4.625%
HK$46,210
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,120/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,600
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,823
−HK$1,241/mo
Today · 4.125%
HK$48,064
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,128/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,187
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,717
−HK$1,555/mo
Today · 4.125%
HK$52,272
baseline
▲ 0.50% · 4.625%
HK$55,452
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,544/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,720
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,188
−HK$1,489/mo
Today · 4.125%
HK$57,677
baseline
▲ 0.50% · 4.625%
HK$60,717
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,354/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,170
−HK$1,814/mo
Today · 4.125%
HK$60,984
baseline
▲ 0.50% · 4.625%
HK$64,694
+HK$3,710/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,968/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,840
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,552
−HK$1,737/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$70,836
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,781
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,076
−HK$2,331/mo
Today · 4.125%
HK$78,407
baseline
▲ 0.50% · 4.625%
HK$83,178
+HK$4,771/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,814/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,080
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,282
−HK$2,233/mo
Today · 4.125%
HK$86,515
baseline
▲ 0.50% · 4.625%
HK$91,075
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,030/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,090 · Scale 2, in force from 26 Feb 2026)