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$29,417
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$929/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$891/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,312
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$1,116/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,069/mo
Today · 4.125%
HK$41,393
baseline
▲ 0.50% · 4.625%
HK$43,574
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,786/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,183
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,302/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,816
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,045
−HK$1,246/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$50,837
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,950
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,673/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,694
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,603/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,362
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,773 · Scale 2, in force from 26 Feb 2026)