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$29,608
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$936/mo
Today · 4.125%
HK$31,465
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,930/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,822
−HK$896/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,530
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$1,123/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,527
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,075/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$43,858
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,741
−HK$1,310/mo
Today · 4.125%
HK$44,051
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,102/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,114
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,351
−HK$1,255/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,168
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,684/mo
Today · 4.125%
HK$56,637
baseline
▲ 0.50% · 4.625%
HK$60,083
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,274/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,290
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,880
−HK$1,613/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,923 · Scale 2, in force from 26 Feb 2026)