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$1,843/mo
▼ 0.25% · 3.875%
HK$30,298
−HK$929/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,690
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,566
−HK$890/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,272
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,261
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$1,114/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$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,068/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,300/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,661/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$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,245/mo
Today · 4.125%
HK$48,238
baseline
▲ 0.50% · 4.625%
HK$50,781
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,476/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,671/mo
Today · 4.125%
HK$56,208
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,416/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,601/mo
Today · 4.125%
HK$62,020
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,040/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,237 · Scale 2, in force from 26 Feb 2026)