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$41,003
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,279
−HK$1,295/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$46,226
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,616
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,839
−HK$1,241/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$50,614
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,204
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,555/mo
Today · 4.125%
HK$52,289
baseline
▲ 0.50% · 4.625%
HK$55,471
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,578/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,739
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,207
−HK$1,489/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,404
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,190
−HK$1,814/mo
Today · 4.125%
HK$61,004
baseline
▲ 0.50% · 4.625%
HK$64,716
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$122,008/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,574
−HK$1,738/mo
Today · 4.125%
HK$67,312
baseline
▲ 0.50% · 4.625%
HK$70,860
+HK$3,548/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,624/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,806
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,101
−HK$2,333/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$83,206
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,310
−HK$2,234/mo
Today · 4.125%
HK$86,544
baseline
▲ 0.50% · 4.625%
HK$91,106
+HK$4,562/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,088/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,318 · Scale 2, in force from 26 Feb 2026)