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$29,397
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,311
−HK$929/mo
Today · 4.125%
HK$31,240
baseline
▲ 0.50% · 4.625%
HK$33,141
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,480/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,704
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$890/mo
Today · 4.125%
HK$34,471
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,942/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,276
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,374
−HK$1,115/mo
Today · 4.125%
HK$37,489
baseline
▲ 0.50% · 4.625%
HK$39,770
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,978/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,245
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,068/mo
Today · 4.125%
HK$41,365
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,730/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,156
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,436
−HK$1,301/mo
Today · 4.125%
HK$43,737
baseline
▲ 0.50% · 4.625%
HK$46,398
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,474/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,785
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,013
−HK$1,246/mo
Today · 4.125%
HK$48,259
baseline
▲ 0.50% · 4.625%
HK$50,803
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,518/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,915
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,561
−HK$1,672/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,654
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,867
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,601/mo
Today · 4.125%
HK$62,047
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,271/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,094/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,450 · Scale 2, in force from 26 Feb 2026)