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$29,376
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$928/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$889/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,251
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$1,114/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$2,280/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,067/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,406
−HK$1,300/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,753
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,980
−HK$1,245/mo
Today · 4.125%
HK$48,225
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,450/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,877
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,522
−HK$1,671/mo
Today · 4.125%
HK$56,193
baseline
▲ 0.50% · 4.625%
HK$59,612
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,386/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,825
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,403
−HK$1,601/mo
Today · 4.125%
HK$62,004
baseline
▲ 0.50% · 4.625%
HK$65,272
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$124,008/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,108 · Scale 2, in force from 26 Feb 2026)