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$29,409
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$929/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$891/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,291
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$1,116/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,313
−HK$1,068/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,453
−HK$1,301/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,417
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,804
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,246/mo
Today · 4.125%
HK$48,278
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,556/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,936
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,673/mo
Today · 4.125%
HK$56,255
baseline
▲ 0.50% · 4.625%
HK$59,678
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,510/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,891
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,602/mo
Today · 4.125%
HK$62,072
baseline
▲ 0.50% · 4.625%
HK$65,344
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,144/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,643 · Scale 2, in force from 26 Feb 2026)