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$29,394
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$929/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$33,138
+HK$1,900/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$890/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$1,816/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,273
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,370
−HK$1,115/mo
Today · 4.125%
HK$37,485
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,970/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,241
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,068/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,152
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,432
−HK$1,301/mo
Today · 4.125%
HK$43,733
baseline
▲ 0.50% · 4.625%
HK$46,394
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,466/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,781
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,009
−HK$1,246/mo
Today · 4.125%
HK$48,255
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,510/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,910
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,556
−HK$1,672/mo
Today · 4.125%
HK$56,228
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,456/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,862
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,440
−HK$1,602/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,405 · Scale 2, in force from 26 Feb 2026)