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$29,415
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$929/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,902/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$891/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$1,818/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$1,115/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$2,283/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,268
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,068/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,182/mo
Deposit HK$5.16M · loan HK$7.74M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,181
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,301/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,426
+HK$2,663/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,813
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,042
−HK$1,246/mo
Today · 4.125%
HK$48,288
baseline
▲ 0.50% · 4.625%
HK$50,834
+HK$2,546/mo
Deposit HK$3.87M · loan HK$9.03M · min. income ≈ HK$96,576/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,947
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,673/mo
Today · 4.125%
HK$56,267
baseline
▲ 0.50% · 4.625%
HK$59,691
+HK$3,424/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$112,534/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,903
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,482
−HK$1,603/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,358
+HK$3,273/mo
Deposit HK$1.29M · loan HK$11.61M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,743 · Scale 2, in force from 26 Feb 2026)