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$29,585
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$935/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,354
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$895/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,502
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$1,122/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,075/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$43,824
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,419
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,708
−HK$1,309/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,695
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,079
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,314
−HK$1,254/mo
Today · 4.125%
HK$48,568
baseline
▲ 0.50% · 4.625%
HK$51,128
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,136/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,253
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,910
−HK$1,683/mo
Today · 4.125%
HK$56,593
baseline
▲ 0.50% · 4.625%
HK$60,036
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,186/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,244
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,833
−HK$1,612/mo
Today · 4.125%
HK$62,445
baseline
▲ 0.50% · 4.625%
HK$65,736
+HK$3,291/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,890/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,545 · Scale 2, in force from 26 Feb 2026)