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$29,395
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$929/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,901/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,579
−HK$889/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$1,817/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,371
−HK$1,115/mo
Today · 4.125%
HK$37,486
baseline
▲ 0.50% · 4.625%
HK$39,767
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,972/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,242
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,068/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,542
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,153
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,300/mo
Today · 4.125%
HK$43,733
baseline
▲ 0.50% · 4.625%
HK$46,395
+HK$2,662/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,466/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,782
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,246/mo
Today · 4.125%
HK$48,256
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,512/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,911
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,557
−HK$1,672/mo
Today · 4.125%
HK$56,229
baseline
▲ 0.50% · 4.625%
HK$59,650
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,458/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,863
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,441
−HK$1,602/mo
Today · 4.125%
HK$62,043
baseline
▲ 0.50% · 4.625%
HK$65,313
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,086/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,414 · Scale 2, in force from 26 Feb 2026)