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$29,422
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,337
−HK$930/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$33,169
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$891/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$1,115/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$5.65M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,278
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,069/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,191
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,302/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,437
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,824
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,053
−HK$1,247/mo
Today · 4.125%
HK$48,300
baseline
▲ 0.50% · 4.625%
HK$50,846
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,600/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,959
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,607
−HK$1,674/mo
Today · 4.125%
HK$56,281
baseline
▲ 0.50% · 4.625%
HK$59,705
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,562/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,917
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,603/mo
Today · 4.125%
HK$62,100
baseline
▲ 0.50% · 4.625%
HK$65,373
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,200/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,859 · Scale 2, in force from 26 Feb 2026)