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$29,615
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,536
−HK$936/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,387
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,946
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$896/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,538
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,643
−HK$1,123/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$40,064
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,532/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,535
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,596
−HK$1,075/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$43,868
+HK$2,197/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,461
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,750
−HK$1,310/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,741
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,124
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,361
−HK$1,255/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,179
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,306
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,965
−HK$1,684/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,303
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,893
−HK$1,614/mo
Today · 4.125%
HK$62,507
baseline
▲ 0.50% · 4.625%
HK$65,802
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,014/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,029 · Scale 2, in force from 26 Feb 2026)