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$40,981
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,256
−HK$1,295/mo
Today · 4.125%
HK$43,551
baseline
▲ 0.50% · 4.625%
HK$46,201
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,102/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,591
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,813
−HK$1,241/mo
Today · 4.125%
HK$48,054
baseline
▲ 0.50% · 4.625%
HK$50,587
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,108/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,707
−HK$1,554/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,441
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,709
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,176
−HK$1,489/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$60,704
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,373
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,158
−HK$1,813/mo
Today · 4.125%
HK$60,971
baseline
▲ 0.50% · 4.625%
HK$64,681
+HK$3,710/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,942/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,827
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,539
−HK$1,736/mo
Today · 4.125%
HK$67,275
baseline
▲ 0.50% · 4.625%
HK$70,822
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,550/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,765
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,060
−HK$2,331/mo
Today · 4.125%
HK$78,391
baseline
▲ 0.50% · 4.625%
HK$83,161
+HK$4,770/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,782/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,063
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,264
−HK$2,233/mo
Today · 4.125%
HK$86,497
baseline
▲ 0.50% · 4.625%
HK$91,056
+HK$4,559/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,994/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,951 · Scale 2, in force from 26 Feb 2026)