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$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$1,114/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,067/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,511
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,300/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,244/mo
Today · 4.125%
HK$48,221
baseline
▲ 0.50% · 4.625%
HK$50,763
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,442/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,518
−HK$1,671/mo
Today · 4.125%
HK$56,189
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,378/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,821
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,600/mo
Today · 4.125%
HK$61,999
baseline
▲ 0.50% · 4.625%
HK$65,267
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,998/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,073 · Scale 2, in force from 26 Feb 2026)