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$29,436
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$930/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,904/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$891/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,323
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$1,117/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,296
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,069/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,210
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,302/mo
Today · 4.125%
HK$43,794
baseline
▲ 0.50% · 4.625%
HK$46,459
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,588/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,845
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,075
−HK$1,247/mo
Today · 4.125%
HK$48,322
baseline
▲ 0.50% · 4.625%
HK$50,870
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,644/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,675/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,604/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,404
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,084 · Scale 2, in force from 26 Feb 2026)