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$41,014
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,290
−HK$1,296/mo
Today · 4.125%
HK$43,586
baseline
▲ 0.50% · 4.625%
HK$46,238
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,172/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,851
−HK$1,242/mo
Today · 4.125%
HK$48,093
baseline
▲ 0.50% · 4.625%
HK$50,628
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,186/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,217
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,555/mo
Today · 4.125%
HK$52,303
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,606/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,753
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,221
−HK$1,490/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$60,753
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,419
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,205
−HK$1,815/mo
Today · 4.125%
HK$61,020
baseline
▲ 0.50% · 4.625%
HK$64,733
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,040/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,878
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,592
−HK$1,738/mo
Today · 4.125%
HK$67,330
baseline
▲ 0.50% · 4.625%
HK$70,879
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,660/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,825
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,121
−HK$2,333/mo
Today · 4.125%
HK$78,454
baseline
▲ 0.50% · 4.625%
HK$83,228
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,908/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,129
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,332
−HK$2,235/mo
Today · 4.125%
HK$86,567
baseline
▲ 0.50% · 4.625%
HK$91,130
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,134/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,494 · Scale 2, in force from 26 Feb 2026)