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$29,379
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$929/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$889/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,255
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$1,114/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,221
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,273
−HK$1,067/mo
Today · 4.125%
HK$41,340
baseline
▲ 0.50% · 4.625%
HK$43,519
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,680/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,131
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,300/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,370
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,758
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,985
−HK$1,245/mo
Today · 4.125%
HK$48,230
baseline
▲ 0.50% · 4.625%
HK$50,772
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,460/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,528
−HK$1,671/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,832
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,601/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,159 · Scale 2, in force from 26 Feb 2026)