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$29,561
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$934/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$895/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$1,121/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,464
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,074/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,192/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,385
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,308/mo
Today · 4.125%
HK$43,981
baseline
▲ 0.50% · 4.625%
HK$46,657
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,962/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,041
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,252/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,210
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,865
−HK$1,682/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,987
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,094/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,195
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,783
−HK$1,611/mo
Today · 4.125%
HK$62,394
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,788/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,147 · Scale 2, in force from 26 Feb 2026)