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$29,606
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$936/mo
Today · 4.125%
HK$31,463
baseline
▲ 0.50% · 4.625%
HK$33,377
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,926/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$896/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$1,122/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$40,053
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,524
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,584
−HK$1,075/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,449
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,310/mo
Today · 4.125%
HK$44,048
baseline
▲ 0.50% · 4.625%
HK$46,728
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,096/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,111
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,348
−HK$1,255/mo
Today · 4.125%
HK$48,603
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,561/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,206/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,291
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,949
−HK$1,684/mo
Today · 4.125%
HK$56,633
baseline
▲ 0.50% · 4.625%
HK$60,079
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,266/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,286
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,613/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,891 · Scale 2, in force from 26 Feb 2026)