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$34,808
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,891
−HK$1,100/mo
Today · 4.125%
HK$36,991
baseline
▲ 0.50% · 4.625%
HK$39,242
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,982/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,724
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,762
−HK$1,054/mo
Today · 4.125%
HK$40,816
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,632/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,320/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$47,090
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,469
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,264/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,561
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,732
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,540/mo
Today · 4.125%
HK$51,788
baseline
▲ 0.50% · 4.625%
HK$54,939
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,576/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,214
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,667
−HK$1,475/mo
Today · 4.125%
HK$57,142
baseline
▲ 0.50% · 4.625%
HK$60,155
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,284/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,655
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,604
−HK$1,980/mo
Today · 4.125%
HK$66,584
baseline
▲ 0.50% · 4.625%
HK$70,636
+HK$4,052/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,168/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,703
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,572
−HK$1,897/mo
Today · 4.125%
HK$73,469
baseline
▲ 0.50% · 4.625%
HK$77,342
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,938/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,442 · Scale 2, in force from 26 Feb 2026)