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$40,983
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,295/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$46,203
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,241/mo
Today · 4.125%
HK$48,057
baseline
▲ 0.50% · 4.625%
HK$50,590
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,114/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,180
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,710
−HK$1,554/mo
Today · 4.125%
HK$52,264
baseline
▲ 0.50% · 4.625%
HK$55,444
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,528/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,712
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,179
−HK$1,489/mo
Today · 4.125%
HK$57,668
baseline
▲ 0.50% · 4.625%
HK$60,708
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,336/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,376
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,161
−HK$1,813/mo
Today · 4.125%
HK$60,974
baseline
▲ 0.50% · 4.625%
HK$64,685
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,948/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,831
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,543
−HK$1,736/mo
Today · 4.125%
HK$67,279
baseline
▲ 0.50% · 4.625%
HK$70,826
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,558/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,770
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,332/mo
Today · 4.125%
HK$78,396
baseline
▲ 0.50% · 4.625%
HK$83,166
+HK$4,770/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,792/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,068
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,269
−HK$2,233/mo
Today · 4.125%
HK$86,502
baseline
▲ 0.50% · 4.625%
HK$91,062
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,004/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,991 · Scale 2, in force from 26 Feb 2026)