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$29,421
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$930/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$891/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,998/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,305
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,403
−HK$1,116/mo
Today · 4.125%
HK$37,519
baseline
▲ 0.50% · 4.625%
HK$39,802
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,038/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,276
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,330
−HK$1,068/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,189
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,470
−HK$1,302/mo
Today · 4.125%
HK$43,772
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,664/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,544/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,246/mo
Today · 4.125%
HK$48,298
baseline
▲ 0.50% · 4.625%
HK$50,844
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,596/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,605
−HK$1,673/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,703
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,915
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,603/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,842 · Scale 2, in force from 26 Feb 2026)