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$40,988
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,263
−HK$1,295/mo
Today · 4.125%
HK$43,558
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,116/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,241/mo
Today · 4.125%
HK$48,062
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,124/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,185
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,715
−HK$1,554/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,450
+HK$3,181/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,718
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,489/mo
Today · 4.125%
HK$57,674
baseline
▲ 0.50% · 4.625%
HK$60,714
+HK$3,040/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,348/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,383
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,168
−HK$1,813/mo
Today · 4.125%
HK$60,981
baseline
▲ 0.50% · 4.625%
HK$64,692
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,962/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,838
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,550
−HK$1,737/mo
Today · 4.125%
HK$67,287
baseline
▲ 0.50% · 4.625%
HK$70,833
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,574/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,778
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,073
−HK$2,331/mo
Today · 4.125%
HK$78,404
baseline
▲ 0.50% · 4.625%
HK$83,175
+HK$4,771/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,808/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,077
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,278
−HK$2,233/mo
Today · 4.125%
HK$86,511
baseline
▲ 0.50% · 4.625%
HK$91,071
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,022/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,063 · Scale 2, in force from 26 Feb 2026)