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$29,419
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$930/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$891/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,303
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,401
−HK$1,116/mo
Today · 4.125%
HK$37,517
baseline
▲ 0.50% · 4.625%
HK$39,800
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,034/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,274
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,328
−HK$1,068/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,578
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,187
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,468
−HK$1,302/mo
Today · 4.125%
HK$43,770
baseline
▲ 0.50% · 4.625%
HK$46,433
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,540/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,820
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,049
−HK$1,247/mo
Today · 4.125%
HK$48,296
baseline
▲ 0.50% · 4.625%
HK$50,841
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,592/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,955
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,674/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,700
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,492
−HK$1,602/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,368
+HK$3,274/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,816 · Scale 2, in force from 26 Feb 2026)