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$29,423
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$930/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,610
−HK$891/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$1,116/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,804
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,332
−HK$1,069/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,192
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,473
−HK$1,302/mo
Today · 4.125%
HK$43,775
baseline
▲ 0.50% · 4.625%
HK$46,438
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,550/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,825
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,054
−HK$1,247/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$50,847
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,961
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,608
−HK$1,674/mo
Today · 4.125%
HK$56,282
baseline
▲ 0.50% · 4.625%
HK$59,707
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,564/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,918
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,603/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,375
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,872 · Scale 2, in force from 26 Feb 2026)