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$29,406
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$929/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$890/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,385
−HK$1,115/mo
Today · 4.125%
HK$37,500
baseline
▲ 0.50% · 4.625%
HK$39,782
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,000/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,257
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,309
−HK$1,068/mo
Today · 4.125%
HK$41,377
baseline
▲ 0.50% · 4.625%
HK$43,559
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,754/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,301/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,412
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,799
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,246/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,931
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,577
−HK$1,673/mo
Today · 4.125%
HK$56,250
baseline
▲ 0.50% · 4.625%
HK$59,673
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,500/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,885
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,464
−HK$1,602/mo
Today · 4.125%
HK$62,066
baseline
▲ 0.50% · 4.625%
HK$65,338
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,132/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,596 · Scale 2, in force from 26 Feb 2026)