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$29,611
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$936/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,382
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$896/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$1,123/mo
Today · 4.125%
HK$37,761
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,522/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,076/mo
Today · 4.125%
HK$41,666
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,332/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,310/mo
Today · 4.125%
HK$44,055
baseline
▲ 0.50% · 4.625%
HK$46,735
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,110/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,118
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,255/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,172
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,299
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,957
−HK$1,685/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$60,088
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,295
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,885
−HK$1,613/mo
Today · 4.125%
HK$62,498
baseline
▲ 0.50% · 4.625%
HK$65,793
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,996/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,964 · Scale 2, in force from 26 Feb 2026)