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$41,009
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,296/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,651/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,622
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,241/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,211
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,742
−HK$1,555/mo
Today · 4.125%
HK$52,297
baseline
▲ 0.50% · 4.625%
HK$55,479
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,594/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,747
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,489/mo
Today · 4.125%
HK$57,704
baseline
▲ 0.50% · 4.625%
HK$60,746
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,408/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,814/mo
Today · 4.125%
HK$61,013
baseline
▲ 0.50% · 4.625%
HK$64,725
+HK$3,712/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,026/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,871
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,584
−HK$1,738/mo
Today · 4.125%
HK$67,322
baseline
▲ 0.50% · 4.625%
HK$70,870
+HK$3,548/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,644/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,816
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,112
−HK$2,333/mo
Today · 4.125%
HK$78,445
baseline
▲ 0.50% · 4.625%
HK$83,218
+HK$4,773/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,890/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,120
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,322
−HK$2,235/mo
Today · 4.125%
HK$86,557
baseline
▲ 0.50% · 4.625%
HK$91,119
+HK$4,562/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,114/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,416 · Scale 2, in force from 26 Feb 2026)