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$41,011
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,286
−HK$1,296/mo
Today · 4.125%
HK$43,582
baseline
▲ 0.50% · 4.625%
HK$46,234
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,164/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,624
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,848
−HK$1,241/mo
Today · 4.125%
HK$48,089
baseline
▲ 0.50% · 4.625%
HK$50,624
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,178/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,213
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,744
−HK$1,555/mo
Today · 4.125%
HK$52,299
baseline
▲ 0.50% · 4.625%
HK$55,481
+HK$3,182/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,598/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,490/mo
Today · 4.125%
HK$57,707
baseline
▲ 0.50% · 4.625%
HK$60,749
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,414/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,814/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,728
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,874
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,587
−HK$1,737/mo
Today · 4.125%
HK$67,324
baseline
▲ 0.50% · 4.625%
HK$70,873
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,648/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,819
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,115
−HK$2,333/mo
Today · 4.125%
HK$78,448
baseline
▲ 0.50% · 4.625%
HK$83,222
+HK$4,774/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,896/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,123
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,326
−HK$2,234/mo
Today · 4.125%
HK$86,560
baseline
▲ 0.50% · 4.625%
HK$91,123
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,120/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,443 · Scale 2, in force from 26 Feb 2026)