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$29,378
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,292
−HK$928/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,683
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,559
−HK$890/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,254
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$1,115/mo
Today · 4.125%
HK$37,465
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,930/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,220
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,067/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,129
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,300/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,368
+HK$2,659/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,756
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,983
−HK$1,245/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$50,770
+HK$2,542/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,881
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,671/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,829
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,601/mo
Today · 4.125%
HK$62,008
baseline
▲ 0.50% · 4.625%
HK$65,276
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,016/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,140 · Scale 2, in force from 26 Feb 2026)