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$29,384
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,298
−HK$928/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,566
−HK$889/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$1,115/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,752
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,067/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,180/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,300/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,434/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,245/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$50,780
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,536
−HK$1,671/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,627
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,840
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,601/mo
Today · 4.125%
HK$62,019
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,038/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,230 · Scale 2, in force from 26 Feb 2026)