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$33,169
+HK$1,903/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$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$890/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$1,819/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$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$1,116/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,277
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,330
−HK$1,069/mo
Today · 4.125%
HK$41,399
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,798/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,302/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,247/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,606
−HK$1,673/mo
Today · 4.125%
HK$56,279
baseline
▲ 0.50% · 4.625%
HK$59,704
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,558/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,916
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,496
−HK$1,603/mo
Today · 4.125%
HK$62,099
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,198/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,849 · Scale 2, in force from 26 Feb 2026)