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$2,572/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,296/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,241/mo
Today · 4.125%
HK$48,100
baseline
▲ 0.50% · 4.625%
HK$50,636
+HK$2,536/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,200/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,225
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,756
−HK$1,556/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$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,762
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,231
−HK$1,490/mo
Today · 4.125%
HK$57,721
baseline
▲ 0.50% · 4.625%
HK$60,763
+HK$3,042/mo
Deposit HK$7.20M · loan HK$10.79M · min. income ≈ HK$115,442/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,429
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,215
−HK$1,815/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,744
+HK$3,714/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,889
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,602
−HK$1,739/mo
Today · 4.125%
HK$67,341
baseline
▲ 0.50% · 4.625%
HK$70,890
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,682/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,837
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,134
−HK$2,333/mo
Today · 4.125%
HK$78,467
baseline
▲ 0.50% · 4.625%
HK$83,242
+HK$4,775/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,934/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,143
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,346
−HK$2,235/mo
Today · 4.125%
HK$86,581
baseline
▲ 0.50% · 4.625%
HK$91,145
+HK$4,564/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,162/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,605 · Scale 2, in force from 26 Feb 2026)