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$29,377
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$928/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$889/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$1,114/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,067/mo
Today · 4.125%
HK$41,337
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,674/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,128
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,300/mo
Today · 4.125%
HK$43,707
baseline
▲ 0.50% · 4.625%
HK$46,366
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,414/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,245/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,878
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,523
−HK$1,671/mo
Today · 4.125%
HK$56,194
baseline
▲ 0.50% · 4.625%
HK$59,614
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,388/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,827
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,404
−HK$1,601/mo
Today · 4.125%
HK$62,005
baseline
▲ 0.50% · 4.625%
HK$65,273
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$124,010/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,118 · Scale 2, in force from 26 Feb 2026)