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$40,231
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,271/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,218/mo
Today · 4.125%
HK$47,175
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,350/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,278
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,526/mo
Today · 4.125%
HK$51,305
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,610/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,708
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,149
−HK$1,461/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,220/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,324
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,076
−HK$1,780/mo
Today · 4.125%
HK$59,856
baseline
▲ 0.50% · 4.625%
HK$63,498
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,712/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,660
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,340
−HK$1,705/mo
Today · 4.125%
HK$66,045
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,090/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,416
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,669
−HK$2,288/mo
Today · 4.125%
HK$76,957
baseline
▲ 0.50% · 4.625%
HK$81,640
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,914/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,562
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,723
−HK$2,192/mo
Today · 4.125%
HK$84,915
baseline
▲ 0.50% · 4.625%
HK$89,391
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,830/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,625 · Scale 2, in force from 26 Feb 2026)