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$29,418
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$929/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$891/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,399
−HK$1,116/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,272
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,069/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,576
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,185
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,466
−HK$1,301/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,430
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,817
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,247/mo
Today · 4.125%
HK$48,293
baseline
▲ 0.50% · 4.625%
HK$50,838
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,586/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,952
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,599
−HK$1,673/mo
Today · 4.125%
HK$56,272
baseline
▲ 0.50% · 4.625%
HK$59,696
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,544/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,908
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,488
−HK$1,603/mo
Today · 4.125%
HK$62,091
baseline
▲ 0.50% · 4.625%
HK$65,364
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,182/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,787 · Scale 2, in force from 26 Feb 2026)