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$29,380
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$928/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,900/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$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$890/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,352
−HK$1,115/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,067/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,411
−HK$1,300/mo
Today · 4.125%
HK$43,711
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,422/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,759
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,986
−HK$1,245/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$50,773
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,884
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,529
−HK$1,671/mo
Today · 4.125%
HK$56,200
baseline
▲ 0.50% · 4.625%
HK$59,620
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,400/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,833
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,601/mo
Today · 4.125%
HK$62,011
baseline
▲ 0.50% · 4.625%
HK$65,280
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,022/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,167 · Scale 2, in force from 26 Feb 2026)