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$29,402
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$929/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$33,147
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$890/mo
Today · 4.125%
HK$34,477
baseline
▲ 0.50% · 4.625%
HK$36,294
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,954/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$1,115/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,068/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,443
−HK$1,301/mo
Today · 4.125%
HK$43,744
baseline
▲ 0.50% · 4.625%
HK$46,406
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,488/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,793
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,246/mo
Today · 4.125%
HK$48,267
baseline
▲ 0.50% · 4.625%
HK$50,811
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,534/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,924
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,570
−HK$1,672/mo
Today · 4.125%
HK$56,242
baseline
▲ 0.50% · 4.625%
HK$59,665
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,484/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,456
−HK$1,602/mo
Today · 4.125%
HK$62,058
baseline
▲ 0.50% · 4.625%
HK$65,329
+HK$3,271/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,116/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,531 · Scale 2, in force from 26 Feb 2026)