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$29,383
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$929/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$890/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$1,114/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,751
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,226
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,278
−HK$1,068/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,525
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,300/mo
Today · 4.125%
HK$43,716
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,432/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,764
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,246/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$50,779
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,890
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,535
−HK$1,672/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,627
+HK$3,420/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,839
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,600/mo
Today · 4.125%
HK$62,018
baseline
▲ 0.50% · 4.625%
HK$65,287
+HK$3,269/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,036/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,224 · Scale 2, in force from 26 Feb 2026)