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$40,993
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,295/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$46,214
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,604
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,827
−HK$1,241/mo
Today · 4.125%
HK$48,068
baseline
▲ 0.50% · 4.625%
HK$50,601
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,136/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,191
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,721
−HK$1,555/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,457
+HK$3,181/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,725
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,192
−HK$1,489/mo
Today · 4.125%
HK$57,681
baseline
▲ 0.50% · 4.625%
HK$60,722
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,362/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,175
−HK$1,813/mo
Today · 4.125%
HK$60,988
baseline
▲ 0.50% · 4.625%
HK$64,699
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,976/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,845
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,558
−HK$1,737/mo
Today · 4.125%
HK$67,295
baseline
▲ 0.50% · 4.625%
HK$70,842
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,590/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,787
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,082
−HK$2,332/mo
Today · 4.125%
HK$78,414
baseline
▲ 0.50% · 4.625%
HK$83,185
+HK$4,771/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,828/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,087
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,288
−HK$2,234/mo
Today · 4.125%
HK$86,522
baseline
▲ 0.50% · 4.625%
HK$91,083
+HK$4,561/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,044/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,145 · Scale 2, in force from 26 Feb 2026)