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$29,412
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$930/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$890/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,295
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$1,115/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,069/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,774/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,177
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,302/mo
Today · 4.125%
HK$43,760
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,520/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,810
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,038
−HK$1,246/mo
Today · 4.125%
HK$48,284
baseline
▲ 0.50% · 4.625%
HK$50,830
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,568/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,942
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,673/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,686
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,898
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,478
−HK$1,602/mo
Today · 4.125%
HK$62,080
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,160/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,704 · Scale 2, in force from 26 Feb 2026)