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$29,411
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$929/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,510/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$890/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,305
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,293
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,391
−HK$1,115/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,069/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,175
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,302/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,246/mo
Today · 4.125%
HK$48,282
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,564/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,940
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,587
−HK$1,673/mo
Today · 4.125%
HK$56,260
baseline
▲ 0.50% · 4.625%
HK$59,683
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,520/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,895
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,475
−HK$1,602/mo
Today · 4.125%
HK$62,077
baseline
▲ 0.50% · 4.625%
HK$65,349
+HK$3,272/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,154/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,681 · Scale 2, in force from 26 Feb 2026)