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$29,380
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$929/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$889/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,257
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,353
−HK$1,114/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,747
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,223
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,275
−HK$1,067/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,521
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,133
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,300/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,372
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,760
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,245/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,885
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,530
−HK$1,671/mo
Today · 4.125%
HK$56,201
baseline
▲ 0.50% · 4.625%
HK$59,621
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,402/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,834
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,601/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,281
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,178 · Scale 2, in force from 26 Feb 2026)