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$40,995
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,295/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,607
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,241/mo
Today · 4.125%
HK$48,071
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,142/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,195
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,725
−HK$1,554/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,461
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,728
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,196
−HK$1,489/mo
Today · 4.125%
HK$57,685
baseline
▲ 0.50% · 4.625%
HK$60,726
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,370/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,394
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,814/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,704
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,562
−HK$1,737/mo
Today · 4.125%
HK$67,299
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$3,548/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,598/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,792
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,087
−HK$2,332/mo
Today · 4.125%
HK$78,419
baseline
▲ 0.50% · 4.625%
HK$83,191
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,838/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,093
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,294
−HK$2,234/mo
Today · 4.125%
HK$86,528
baseline
▲ 0.50% · 4.625%
HK$91,089
+HK$4,561/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,056/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,192 · Scale 2, in force from 26 Feb 2026)