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$41,001
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,296/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,242/mo
Today · 4.125%
HK$48,078
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,156/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,201
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,732
−HK$1,555/mo
Today · 4.125%
HK$52,287
baseline
▲ 0.50% · 4.625%
HK$55,468
+HK$3,181/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,574/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,736
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,204
−HK$1,489/mo
Today · 4.125%
HK$57,693
baseline
▲ 0.50% · 4.625%
HK$60,734
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,386/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,401
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,187
−HK$1,814/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,713
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$122,002/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,858
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,571
−HK$1,738/mo
Today · 4.125%
HK$67,309
baseline
▲ 0.50% · 4.625%
HK$70,856
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,618/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,802
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,097
−HK$2,333/mo
Today · 4.125%
HK$78,430
baseline
▲ 0.50% · 4.625%
HK$83,202
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,860/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,104
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,306
−HK$2,234/mo
Today · 4.125%
HK$86,540
baseline
▲ 0.50% · 4.625%
HK$91,101
+HK$4,561/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,080/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,283 · Scale 2, in force from 26 Feb 2026)