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$29,413
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$929/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$483,709 · 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$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,295
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$1,116/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$2,282/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,266
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,068/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,182/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$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,178
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,459
−HK$1,301/mo
Today · 4.125%
HK$43,760
baseline
▲ 0.50% · 4.625%
HK$46,423
+HK$2,663/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$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,810
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,039
−HK$1,246/mo
Today · 4.125%
HK$48,285
baseline
▲ 0.50% · 4.625%
HK$50,830
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,570/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,943
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,590
−HK$1,673/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,686
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,899
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,478
−HK$1,603/mo
Today · 4.125%
HK$62,081
baseline
▲ 0.50% · 4.625%
HK$65,353
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,162/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,709 · Scale 2, in force from 26 Feb 2026)