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$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,346
−HK$1,114/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,067/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,512
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,300/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,245/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,874
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,519
−HK$1,670/mo
Today · 4.125%
HK$56,189
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,378/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,822
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,601/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,268
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,077 · Scale 2, in force from 26 Feb 2026)