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$29,404
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$929/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$33,149
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$890/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$1,115/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,307
−HK$1,068/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,181/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,166
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,301/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,409
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,797
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,025
−HK$1,246/mo
Today · 4.125%
HK$48,271
baseline
▲ 0.50% · 4.625%
HK$50,815
+HK$2,544/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,542/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,928
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,574
−HK$1,673/mo
Today · 4.125%
HK$56,247
baseline
▲ 0.50% · 4.625%
HK$59,669
+HK$3,422/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,494/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,881
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,461
−HK$1,602/mo
Today · 4.125%
HK$62,063
baseline
▲ 0.50% · 4.625%
HK$65,334
+HK$3,271/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,126/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,568 · Scale 2, in force from 26 Feb 2026)