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$29,420
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$930/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$891/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,304
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$1,116/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,801
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,275
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,068/mo
Today · 4.125%
HK$41,397
baseline
▲ 0.50% · 4.625%
HK$43,579
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,794/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,302/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,247/mo
Today · 4.125%
HK$48,297
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,594/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,956
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,603
−HK$1,674/mo
Today · 4.125%
HK$56,277
baseline
▲ 0.50% · 4.625%
HK$59,701
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,554/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,913
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,493
−HK$1,603/mo
Today · 4.125%
HK$62,096
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,192/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,825 · Scale 2, in force from 26 Feb 2026)