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$29,405
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$929/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$890/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,286
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,384
−HK$1,115/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,068/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,167
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,301/mo
Today · 4.125%
HK$43,748
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,496/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,026
−HK$1,246/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$50,817
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,929
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,575
−HK$1,673/mo
Today · 4.125%
HK$56,248
baseline
▲ 0.50% · 4.625%
HK$59,671
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,496/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,883
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,602/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,336
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,580 · Scale 2, in force from 26 Feb 2026)