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$29,386
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,300
−HK$929/mo
Today · 4.125%
HK$31,229
baseline
▲ 0.50% · 4.625%
HK$33,129
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,458/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$890/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,263
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,360
−HK$1,114/mo
Today · 4.125%
HK$37,474
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,948/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,230
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,067/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,180/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,140
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,420
−HK$1,300/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,768
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,246/mo
Today · 4.125%
HK$48,241
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,482/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,894
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,540
−HK$1,671/mo
Today · 4.125%
HK$56,211
baseline
▲ 0.50% · 4.625%
HK$59,632
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,422/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,845
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,601/mo
Today · 4.125%
HK$62,024
baseline
▲ 0.50% · 4.625%
HK$65,293
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,048/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,265 · Scale 2, in force from 26 Feb 2026)