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$29,392
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,306
−HK$929/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$889/mo
Today · 4.125%
HK$34,464
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$1,817/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,928/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,270
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$1,115/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,762
+HK$2,280/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,290
−HK$1,067/mo
Today · 4.125%
HK$41,357
baseline
▲ 0.50% · 4.625%
HK$43,537
+HK$2,180/mo
Deposit HK$5.16M · loan HK$7.73M · min. income ≈ HK$82,714/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,148
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,301/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,389
+HK$2,660/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,005
−HK$1,245/mo
Today · 4.125%
HK$48,250
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,543/mo
Deposit HK$3.87M · loan HK$9.02M · min. income ≈ HK$96,500/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,905
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,550
−HK$1,672/mo
Today · 4.125%
HK$56,222
baseline
▲ 0.50% · 4.625%
HK$59,643
+HK$3,421/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$112,444/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,856
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,435
−HK$1,601/mo
Today · 4.125%
HK$62,036
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,270/mo
Deposit HK$1.29M · loan HK$11.60M · min. income ≈ HK$124,072/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,360 · Scale 2, in force from 26 Feb 2026)