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$29,407
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$930/mo
Today · 4.125%
HK$31,251
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,502/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$890/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,300
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,288
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,386
−HK$1,115/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,258
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,311
−HK$1,068/mo
Today · 4.125%
HK$41,379
baseline
▲ 0.50% · 4.625%
HK$43,560
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,758/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,450
−HK$1,301/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,246/mo
Today · 4.125%
HK$48,275
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,550/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,932
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,579
−HK$1,672/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,674
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,886
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,602/mo
Today · 4.125%
HK$62,068
baseline
▲ 0.50% · 4.625%
HK$65,340
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,136/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,610 · Scale 2, in force from 26 Feb 2026)