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$29,559
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$934/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,884
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$894/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$1,121/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,293/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,460
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,073/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,308/mo
Today · 4.125%
HK$43,977
baseline
▲ 0.50% · 4.625%
HK$46,653
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,954/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,037
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,272
−HK$1,252/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,082
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,205
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,860
−HK$1,682/mo
Today · 4.125%
HK$56,542
baseline
▲ 0.50% · 4.625%
HK$59,982
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,084/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,190
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,778
−HK$1,610/mo
Today · 4.125%
HK$62,388
baseline
▲ 0.50% · 4.625%
HK$65,677
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,776/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,106 · Scale 2, in force from 26 Feb 2026)