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$29,401
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$929/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,708
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$890/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$1,115/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,775
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,068/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,551
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,161
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,301/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,404
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,791
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,246/mo
Today · 4.125%
HK$48,265
baseline
▲ 0.50% · 4.625%
HK$50,809
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,530/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,921
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,673/mo
Today · 4.125%
HK$56,240
baseline
▲ 0.50% · 4.625%
HK$59,662
+HK$3,422/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,480/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,874
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,602/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,271/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,509 · Scale 2, in force from 26 Feb 2026)