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$41,016
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,296/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,241/mo
Today · 4.125%
HK$48,095
baseline
▲ 0.50% · 4.625%
HK$50,630
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,190/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,219
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,556/mo
Today · 4.125%
HK$52,306
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,612/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,756
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,490/mo
Today · 4.125%
HK$57,714
baseline
▲ 0.50% · 4.625%
HK$60,756
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,428/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,422
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,814/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,882
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$1,738/mo
Today · 4.125%
HK$67,333
baseline
▲ 0.50% · 4.625%
HK$70,882
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,666/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,829
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,125
−HK$2,334/mo
Today · 4.125%
HK$78,459
baseline
▲ 0.50% · 4.625%
HK$83,233
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,918/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,134
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,337
−HK$2,234/mo
Today · 4.125%
HK$86,571
baseline
▲ 0.50% · 4.625%
HK$91,135
+HK$4,564/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,142/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,531 · Scale 2, in force from 26 Feb 2026)