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$41,008
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,284
−HK$1,296/mo
Today · 4.125%
HK$43,580
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,160/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,621
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,241/mo
Today · 4.125%
HK$48,086
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,172/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,210
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,741
−HK$1,555/mo
Today · 4.125%
HK$52,296
baseline
▲ 0.50% · 4.625%
HK$55,478
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,592/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,746
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,214
−HK$1,489/mo
Today · 4.125%
HK$57,703
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,406/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,412
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,198
−HK$1,814/mo
Today · 4.125%
HK$61,012
baseline
▲ 0.50% · 4.625%
HK$64,724
+HK$3,712/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,024/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,870
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,583
−HK$1,738/mo
Today · 4.125%
HK$67,321
baseline
▲ 0.50% · 4.625%
HK$70,869
+HK$3,548/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,642/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,815
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,111
−HK$2,333/mo
Today · 4.125%
HK$78,444
baseline
▲ 0.50% · 4.625%
HK$83,217
+HK$4,773/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,888/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,119
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,321
−HK$2,234/mo
Today · 4.125%
HK$86,555
baseline
▲ 0.50% · 4.625%
HK$91,118
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,110/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,405 · Scale 2, in force from 26 Feb 2026)