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$29,396
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,310
−HK$929/mo
Today · 4.125%
HK$31,239
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,478/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$889/mo
Today · 4.125%
HK$34,469
baseline
▲ 0.50% · 4.625%
HK$36,286
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,938/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,275
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$1,115/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,243
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,068/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,434
−HK$1,301/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,396
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,783
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,011
−HK$1,246/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$50,801
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,912
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,558
−HK$1,672/mo
Today · 4.125%
HK$56,230
baseline
▲ 0.50% · 4.625%
HK$59,652
+HK$3,422/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,460/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,864
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,443
−HK$1,602/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,315
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,428 · Scale 2, in force from 26 Feb 2026)