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$40,998
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,295/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,834
−HK$1,240/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$50,609
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,198
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,728
−HK$1,555/mo
Today · 4.125%
HK$52,283
baseline
▲ 0.50% · 4.625%
HK$55,465
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,566/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,732
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,200
−HK$1,489/mo
Today · 4.125%
HK$57,689
baseline
▲ 0.50% · 4.625%
HK$60,730
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,378/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,183
−HK$1,814/mo
Today · 4.125%
HK$60,997
baseline
▲ 0.50% · 4.625%
HK$64,709
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$121,994/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,854
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,567
−HK$1,737/mo
Today · 4.125%
HK$67,304
baseline
▲ 0.50% · 4.625%
HK$70,852
+HK$3,548/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,608/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,797
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,093
−HK$2,332/mo
Today · 4.125%
HK$78,425
baseline
▲ 0.50% · 4.625%
HK$83,197
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,850/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,099
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,234/mo
Today · 4.125%
HK$86,534
baseline
▲ 0.50% · 4.625%
HK$91,095
+HK$4,561/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,240 · Scale 2, in force from 26 Feb 2026)