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$29,424
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$930/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$891/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$1,819/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$1,116/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,281
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,069/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,194
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,302/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,441
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,828
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,247/mo
Today · 4.125%
HK$48,304
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,608/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,964
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,612
−HK$1,673/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,710
+HK$3,425/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,922
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,502
−HK$1,603/mo
Today · 4.125%
HK$62,105
baseline
▲ 0.50% · 4.625%
HK$65,379
+HK$3,274/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,210/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,901 · Scale 2, in force from 26 Feb 2026)