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$29,437
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,352
−HK$931/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$33,186
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$891/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,337
+HK$1,820/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$1,116/mo
Today · 4.125%
HK$37,539
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,078/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,298
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,069/mo
Today · 4.125%
HK$41,421
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,842/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,493
−HK$1,303/mo
Today · 4.125%
HK$43,796
baseline
▲ 0.50% · 4.625%
HK$46,461
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,592/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,847
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,247/mo
Today · 4.125%
HK$48,324
baseline
▲ 0.50% · 4.625%
HK$50,871
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,648/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,634
−HK$1,675/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,735
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,618/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,946
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,527
−HK$1,604/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,102 · Scale 2, in force from 26 Feb 2026)