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$40,976
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,295/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$46,196
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,586
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,241/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,581
+HK$2,532/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,701
−HK$1,554/mo
Today · 4.125%
HK$52,255
baseline
▲ 0.50% · 4.625%
HK$55,435
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,510/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,703
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,170
−HK$1,488/mo
Today · 4.125%
HK$57,658
baseline
▲ 0.50% · 4.625%
HK$60,698
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,316/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,367
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,151
−HK$1,813/mo
Today · 4.125%
HK$60,964
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,710/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,928/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$1,736/mo
Today · 4.125%
HK$67,268
baseline
▲ 0.50% · 4.625%
HK$70,814
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,536/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,757
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,052
−HK$2,331/mo
Today · 4.125%
HK$78,383
baseline
▲ 0.50% · 4.625%
HK$83,152
+HK$4,769/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,766/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,054
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,255
−HK$2,232/mo
Today · 4.125%
HK$86,487
baseline
▲ 0.50% · 4.625%
HK$91,046
+HK$4,559/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,974/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,877 · Scale 2, in force from 26 Feb 2026)