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$40,997
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,296/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,609
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,241/mo
Today · 4.125%
HK$48,073
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,146/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,196
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,726
−HK$1,555/mo
Today · 4.125%
HK$52,281
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$3,181/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,562/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,730
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,198
−HK$1,489/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$60,728
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,396
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,181
−HK$1,814/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,706
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,852
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,564
−HK$1,738/mo
Today · 4.125%
HK$67,302
baseline
▲ 0.50% · 4.625%
HK$70,849
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,604/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,794
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,090
−HK$2,332/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$83,194
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,095
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,297
−HK$2,234/mo
Today · 4.125%
HK$86,531
baseline
▲ 0.50% · 4.625%
HK$91,092
+HK$4,561/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,062/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,215 · Scale 2, in force from 26 Feb 2026)