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$29,382
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$929/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,687
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$890/mo
Today · 4.125%
HK$34,453
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,906/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,258
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$1,114/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,067/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,414
−HK$1,300/mo
Today · 4.125%
HK$43,714
baseline
▲ 0.50% · 4.625%
HK$46,373
+HK$2,659/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,428/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,989
−HK$1,245/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$50,776
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,887
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,671/mo
Today · 4.125%
HK$56,203
baseline
▲ 0.50% · 4.625%
HK$59,623
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,406/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,836
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,414
−HK$1,601/mo
Today · 4.125%
HK$62,015
baseline
▲ 0.50% · 4.625%
HK$65,284
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,030/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,195 · Scale 2, in force from 26 Feb 2026)