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$29,410
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$930/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,901/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$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$890/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$1,116/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$2,282/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$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,262
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,069/mo
Today · 4.125%
HK$41,384
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,768/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,174
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,455
−HK$1,301/mo
Today · 4.125%
HK$43,756
baseline
▲ 0.50% · 4.625%
HK$46,419
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,512/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,035
−HK$1,246/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$50,826
+HK$2,545/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,939
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,673/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,681
+HK$3,423/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,894
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,473
−HK$1,602/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,348
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,668 · Scale 2, in force from 26 Feb 2026)