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$29,400
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$930/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$890/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$1,115/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,068/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,301/mo
Today · 4.125%
HK$43,741
baseline
▲ 0.50% · 4.625%
HK$46,403
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,482/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,790
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,246/mo
Today · 4.125%
HK$48,264
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,528/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,672/mo
Today · 4.125%
HK$56,238
baseline
▲ 0.50% · 4.625%
HK$59,660
+HK$3,422/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,476/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,873
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,452
−HK$1,602/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,324
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,498 · Scale 2, in force from 26 Feb 2026)