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$29,387
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$929/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,693
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$889/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$1,817/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$1,114/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$2,281/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,067/mo
Today · 4.125%
HK$41,351
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,702/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,142
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,422
−HK$1,300/mo
Today · 4.125%
HK$43,722
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,444/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,770
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,998
−HK$1,245/mo
Today · 4.125%
HK$48,243
baseline
▲ 0.50% · 4.625%
HK$50,786
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,486/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,897
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,543
−HK$1,671/mo
Today · 4.125%
HK$56,214
baseline
▲ 0.50% · 4.625%
HK$59,635
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,428/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,848
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,426
−HK$1,601/mo
Today · 4.125%
HK$62,027
baseline
▲ 0.50% · 4.625%
HK$65,296
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,054/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,290 · Scale 2, in force from 26 Feb 2026)