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$29,426
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$930/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,736
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$890/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$1,116/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,283
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,068/mo
Today · 4.125%
HK$41,405
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,810/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,478
−HK$1,301/mo
Today · 4.125%
HK$43,779
baseline
▲ 0.50% · 4.625%
HK$46,443
+HK$2,664/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,558/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,830
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,059
−HK$1,247/mo
Today · 4.125%
HK$48,306
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,612/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,966
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,614
−HK$1,674/mo
Today · 4.125%
HK$56,288
baseline
▲ 0.50% · 4.625%
HK$59,713
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,576/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,925
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,505
−HK$1,603/mo
Today · 4.125%
HK$62,108
baseline
▲ 0.50% · 4.625%
HK$65,382
+HK$3,274/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,216/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,923 · Scale 2, in force from 26 Feb 2026)