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$29,617
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$896/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,541
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,646
−HK$1,124/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,298/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,599
−HK$1,076/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,464
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,310/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,746
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,129
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,366
−HK$1,255/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,184
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,970
−HK$1,684/mo
Today · 4.125%
HK$56,654
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,308/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,899
−HK$1,613/mo
Today · 4.125%
HK$62,512
baseline
▲ 0.50% · 4.625%
HK$65,808
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,024/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,073 · Scale 2, in force from 26 Feb 2026)