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$29,590
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$935/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$896/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,613
−HK$1,122/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,503
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,075/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,715
−HK$1,309/mo
Today · 4.125%
HK$44,024
baseline
▲ 0.50% · 4.625%
HK$46,703
+HK$2,679/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,048/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,087
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,323
−HK$1,254/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,137
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,263
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,920
−HK$1,683/mo
Today · 4.125%
HK$56,603
baseline
▲ 0.50% · 4.625%
HK$60,047
+HK$3,444/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,206/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,254
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,844
−HK$1,612/mo
Today · 4.125%
HK$62,456
baseline
▲ 0.50% · 4.625%
HK$65,748
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,912/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,631 · Scale 2, in force from 26 Feb 2026)