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$29,599
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$936/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$896/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,518
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$1,123/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,075/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,438
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,309/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,099
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,254/mo
Today · 4.125%
HK$48,590
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,180/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,277
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,935
−HK$1,683/mo
Today · 4.125%
HK$56,618
baseline
▲ 0.50% · 4.625%
HK$60,063
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,236/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,271
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,860
−HK$1,613/mo
Today · 4.125%
HK$62,473
baseline
▲ 0.50% · 4.625%
HK$65,766
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,946/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,764 · Scale 2, in force from 26 Feb 2026)