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$33,132
+HK$1,901/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$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$890/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$1,114/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$2,281/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$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,068/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,179/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,301/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,772
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,246/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,544
−HK$1,672/mo
Today · 4.125%
HK$56,216
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,432/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,601/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,307 · Scale 2, in force from 26 Feb 2026)