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$29,414
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$929/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,722
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$890/mo
Today · 4.125%
HK$34,490
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,980/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,296
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,394
−HK$1,116/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,068/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,179
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,460
−HK$1,301/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,424
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,811
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,040
−HK$1,246/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$50,832
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,945
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,592
−HK$1,673/mo
Today · 4.125%
HK$56,265
baseline
▲ 0.50% · 4.625%
HK$59,688
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,530/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,900
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,480
−HK$1,603/mo
Today · 4.125%
HK$62,083
baseline
▲ 0.50% · 4.625%
HK$65,355
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,166/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,724 · Scale 2, in force from 26 Feb 2026)