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$41,005
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,296/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,841
−HK$1,241/mo
Today · 4.125%
HK$48,082
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,164/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,206
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,736
−HK$1,555/mo
Today · 4.125%
HK$52,291
baseline
▲ 0.50% · 4.625%
HK$55,473
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,582/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,741
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,209
−HK$1,489/mo
Today · 4.125%
HK$57,698
baseline
▲ 0.50% · 4.625%
HK$60,740
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,396/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,815/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,864
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$1,738/mo
Today · 4.125%
HK$67,315
baseline
▲ 0.50% · 4.625%
HK$70,863
+HK$3,548/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,630/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,332/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$83,210
+HK$4,773/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,874/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,111
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,314
−HK$2,234/mo
Today · 4.125%
HK$86,548
baseline
▲ 0.50% · 4.625%
HK$91,110
+HK$4,562/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,096/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,347 · Scale 2, in force from 26 Feb 2026)