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$41,002
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,295/mo
Today · 4.125%
HK$43,573
baseline
▲ 0.50% · 4.625%
HK$46,225
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,146/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,614
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,241/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$50,613
+HK$2,534/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,555/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,737
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,490/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,403
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,189
−HK$1,814/mo
Today · 4.125%
HK$61,003
baseline
▲ 0.50% · 4.625%
HK$64,715
+HK$3,712/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$122,006/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,860
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,573
−HK$1,737/mo
Today · 4.125%
HK$67,310
baseline
▲ 0.50% · 4.625%
HK$70,858
+HK$3,548/mo
Deposit HK$5.39M · loan HK$12.59M · min. income ≈ HK$134,620/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,804
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,100
−HK$2,332/mo
Today · 4.125%
HK$78,432
baseline
▲ 0.50% · 4.625%
HK$83,204
+HK$4,772/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,864/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,106
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,308
−HK$2,234/mo
Today · 4.125%
HK$86,542
baseline
▲ 0.50% · 4.625%
HK$91,104
+HK$4,562/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,084/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,302 · Scale 2, in force from 26 Feb 2026)