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$29,430
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$930/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$891/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$1,116/mo
Today · 4.125%
HK$37,531
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,062/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,289
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,342
−HK$1,069/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,594
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,484
−HK$1,302/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,664/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,247/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,974
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,674/mo
Today · 4.125%
HK$56,296
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,592/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,933
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,603/mo
Today · 4.125%
HK$62,117
baseline
▲ 0.50% · 4.625%
HK$65,391
+HK$3,274/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,234/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,993 · Scale 2, in force from 26 Feb 2026)