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$29,373
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$928/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$889/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,258
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$1,114/mo
Today · 4.125%
HK$37,458
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,916/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,213
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,066/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,510
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,299/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,748
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,975
−HK$1,245/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,872
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,516
−HK$1,671/mo
Today · 4.125%
HK$56,187
baseline
▲ 0.50% · 4.625%
HK$59,606
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,374/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,819
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,397
−HK$1,600/mo
Today · 4.125%
HK$61,997
baseline
▲ 0.50% · 4.625%
HK$65,265
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,994/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,058 · Scale 2, in force from 26 Feb 2026)