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$40,979
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,295/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$46,199
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,589
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,240/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,585
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,175
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,705
−HK$1,554/mo
Today · 4.125%
HK$52,259
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,518/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,488/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,371
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,155
−HK$1,814/mo
Today · 4.125%
HK$60,969
baseline
▲ 0.50% · 4.625%
HK$64,678
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,938/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,825
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,536
−HK$1,737/mo
Today · 4.125%
HK$67,273
baseline
▲ 0.50% · 4.625%
HK$70,819
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,546/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,763
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,057
−HK$2,331/mo
Today · 4.125%
HK$78,388
baseline
▲ 0.50% · 4.625%
HK$83,158
+HK$4,770/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,776/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,060
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,261
−HK$2,233/mo
Today · 4.125%
HK$86,494
baseline
▲ 0.50% · 4.625%
HK$91,053
+HK$4,559/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,988/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,925 · Scale 2, in force from 26 Feb 2026)