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$29,431
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,347
−HK$930/mo
Today · 4.125%
HK$31,277
baseline
▲ 0.50% · 4.625%
HK$33,180
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,554/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$891/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,317
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$1,116/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,069/mo
Today · 4.125%
HK$41,413
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,826/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,302/mo
Today · 4.125%
HK$43,787
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,574/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,068
−HK$1,247/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,976
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,624
−HK$1,674/mo
Today · 4.125%
HK$56,298
baseline
▲ 0.50% · 4.625%
HK$59,724
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,596/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,935
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,516
−HK$1,603/mo
Today · 4.125%
HK$62,119
baseline
▲ 0.50% · 4.625%
HK$65,394
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,238/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,011 · Scale 2, in force from 26 Feb 2026)