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$29,570
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,490
−HK$935/mo
Today · 4.125%
HK$31,425
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,850/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,897
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$895/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$1,121/mo
Today · 4.125%
HK$37,709
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,418/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,074/mo
Today · 4.125%
HK$41,609
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,218/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,308/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,671
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,253/mo
Today · 4.125%
HK$48,543
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,086/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,226
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,882
−HK$1,682/mo
Today · 4.125%
HK$56,564
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,128/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,214
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,802
−HK$1,611/mo
Today · 4.125%
HK$62,413
baseline
▲ 0.50% · 4.625%
HK$65,703
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,826/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,298 · Scale 2, in force from 26 Feb 2026)