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$41,021
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,297/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,241/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$50,637
+HK$2,536/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,225
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,555/mo
Today · 4.125%
HK$52,312
baseline
▲ 0.50% · 4.625%
HK$55,495
+HK$3,183/mo
Deposit HK$7.20M · loan HK$10.79M · min. income ≈ HK$104,624/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,490/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$60,764
+HK$3,042/mo
Deposit HK$7.20M · loan HK$10.79M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,430
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,216
−HK$1,815/mo
Today · 4.125%
HK$61,031
baseline
▲ 0.50% · 4.625%
HK$64,745
+HK$3,714/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,062/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,890
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$1,738/mo
Today · 4.125%
HK$67,342
baseline
▲ 0.50% · 4.625%
HK$70,891
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,684/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,334/mo
Today · 4.125%
HK$78,469
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,938/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,144
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,347
−HK$2,235/mo
Today · 4.125%
HK$86,582
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$4,564/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,164/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,616 · Scale 2, in force from 26 Feb 2026)