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$35,704
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$1,129/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,308/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,720
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,785
−HK$1,081/mo
Today · 4.125%
HK$41,866
baseline
▲ 0.50% · 4.625%
HK$44,073
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,732/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,845
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,354/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,771/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,942
−HK$1,297/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$52,887
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,985
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,540
−HK$1,580/mo
Today · 4.125%
HK$53,120
baseline
▲ 0.50% · 4.625%
HK$56,352
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,240/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,608
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,513/mo
Today · 4.125%
HK$58,613
baseline
▲ 0.50% · 4.625%
HK$61,702
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,226/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,267
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,266
−HK$2,031/mo
Today · 4.125%
HK$68,297
baseline
▲ 0.50% · 4.625%
HK$72,453
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,594/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,496
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,414
−HK$1,945/mo
Today · 4.125%
HK$75,359
baseline
▲ 0.50% · 4.625%
HK$79,331
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,718/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,168 · Scale 2, in force from 26 Feb 2026)