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$29,601
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$936/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$1,122/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,518
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,076/mo
Today · 4.125%
HK$41,653
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,306/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,310/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,340
−HK$1,255/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,156
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,283
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,940
−HK$1,684/mo
Today · 4.125%
HK$56,624
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,248/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,276
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,866
−HK$1,613/mo
Today · 4.125%
HK$62,479
baseline
▲ 0.50% · 4.625%
HK$65,772
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,958/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,811 · Scale 2, in force from 26 Feb 2026)