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$29,427
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,343
−HK$930/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$33,176
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$890/mo
Today · 4.125%
HK$34,506
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,012/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$1,116/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,285
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,069/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,590
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,302/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,664/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,833
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,247/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,969
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,617
−HK$1,674/mo
Today · 4.125%
HK$56,291
baseline
▲ 0.50% · 4.625%
HK$59,716
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,582/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,928
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,508
−HK$1,603/mo
Today · 4.125%
HK$62,111
baseline
▲ 0.50% · 4.625%
HK$65,385
+HK$3,274/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,222/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,949 · Scale 2, in force from 26 Feb 2026)