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$29,582
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$935/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,909
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$895/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,516
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$1,122/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$40,020
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,075/mo
Today · 4.125%
HK$41,625
baseline
▲ 0.50% · 4.625%
HK$43,819
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,250/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,309/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,690
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,073
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,309
−HK$1,253/mo
Today · 4.125%
HK$48,562
baseline
▲ 0.50% · 4.625%
HK$51,122
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,124/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,247
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,682/mo
Today · 4.125%
HK$56,586
baseline
▲ 0.50% · 4.625%
HK$60,029
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,172/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,237
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,611/mo
Today · 4.125%
HK$62,437
baseline
▲ 0.50% · 4.625%
HK$65,729
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,874/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,489 · Scale 2, in force from 26 Feb 2026)