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$41,017
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,297/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$46,241
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,242/mo
Today · 4.125%
HK$48,096
baseline
▲ 0.50% · 4.625%
HK$50,631
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,192/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,220
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,751
−HK$1,555/mo
Today · 4.125%
HK$52,306
baseline
▲ 0.50% · 4.625%
HK$55,489
+HK$3,183/mo
Deposit HK$7.20M · loan HK$10.79M · min. income ≈ HK$104,612/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,490/mo
Today · 4.125%
HK$57,715
baseline
▲ 0.50% · 4.625%
HK$60,757
+HK$3,042/mo
Deposit HK$7.20M · loan HK$10.79M · min. income ≈ HK$115,430/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,423
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,815/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,737
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,883
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,596
−HK$1,738/mo
Today · 4.125%
HK$67,334
baseline
▲ 0.50% · 4.625%
HK$70,883
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,668/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,830
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,126
−HK$2,334/mo
Today · 4.125%
HK$78,460
baseline
▲ 0.50% · 4.625%
HK$83,234
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,920/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,135
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,338
−HK$2,234/mo
Today · 4.125%
HK$86,572
baseline
▲ 0.50% · 4.625%
HK$91,136
+HK$4,564/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,144/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,539 · Scale 2, in force from 26 Feb 2026)