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$29,435
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$930/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,746
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,624
−HK$891/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,820/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,322
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$1,116/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,069/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,209
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,491
−HK$1,302/mo
Today · 4.125%
HK$43,793
baseline
▲ 0.50% · 4.625%
HK$46,458
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,586/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,845
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,247/mo
Today · 4.125%
HK$48,321
baseline
▲ 0.50% · 4.625%
HK$50,868
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,642/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,983
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,631
−HK$1,674/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,943
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,524
−HK$1,603/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,402
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$484,074 · Scale 2, in force from 26 Feb 2026)