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$40,989
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,263
−HK$1,296/mo
Today · 4.125%
HK$43,559
baseline
▲ 0.50% · 4.625%
HK$46,209
+HK$2,650/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,118/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,822
−HK$1,241/mo
Today · 4.125%
HK$48,063
baseline
▲ 0.50% · 4.625%
HK$50,596
+HK$2,533/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,126/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,186
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,716
−HK$1,555/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,451
+HK$3,180/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,719
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,488/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$60,716
+HK$3,041/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,384
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,813/mo
Today · 4.125%
HK$60,982
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,711/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,964/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$1,737/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$70,835
+HK$3,547/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,779
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,074
−HK$2,332/mo
Today · 4.125%
HK$78,406
baseline
▲ 0.50% · 4.625%
HK$83,177
+HK$4,771/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$156,812/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,079
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,280
−HK$2,233/mo
Today · 4.125%
HK$86,513
baseline
▲ 0.50% · 4.625%
HK$91,073
+HK$4,560/mo
Deposit HK$1.80M · loan HK$16.18M · min. income ≈ HK$173,026/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,078 · Scale 2, in force from 26 Feb 2026)