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$29,388
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$929/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$889/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$1,817/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$1,115/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$2,280/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,067/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,143
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,300/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,661/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,771
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,245/mo
Today · 4.125%
HK$48,244
baseline
▲ 0.50% · 4.625%
HK$50,787
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,488/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,898
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,544
−HK$1,671/mo
Today · 4.125%
HK$56,215
baseline
▲ 0.50% · 4.625%
HK$59,636
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,430/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,849
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,601/mo
Today · 4.125%
HK$62,028
baseline
▲ 0.50% · 4.625%
HK$65,298
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,056/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,300 · Scale 2, in force from 26 Feb 2026)