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$29,385
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$929/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$889/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$1,115/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$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,229
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,067/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,528
+HK$2,180/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,139
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,300/mo
Today · 4.125%
HK$43,719
baseline
▲ 0.50% · 4.625%
HK$46,379
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,438/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,767
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,245/mo
Today · 4.125%
HK$48,240
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,480/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,894
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,539
−HK$1,671/mo
Today · 4.125%
HK$56,210
baseline
▲ 0.50% · 4.625%
HK$59,631
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,420/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,844
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,422
−HK$1,601/mo
Today · 4.125%
HK$62,023
baseline
▲ 0.50% · 4.625%
HK$65,292
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,046/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,257 · Scale 2, in force from 26 Feb 2026)