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$29,368
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,282
−HK$928/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,672
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$889/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,242
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$1,114/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,258
−HK$1,066/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,503
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,300/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$46,352
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,740
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,967
−HK$1,245/mo
Today · 4.125%
HK$48,212
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,424/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,863
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,671/mo
Today · 4.125%
HK$56,178
baseline
▲ 0.50% · 4.625%
HK$59,596
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,356/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,809
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,600/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,975 · Scale 2, in force from 26 Feb 2026)