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$29,615
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$936/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$896/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$1,123/mo
Today · 4.125%
HK$37,767
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,298/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,534/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,075/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,462
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,751
−HK$1,311/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,743
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,126
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,255/mo
Today · 4.125%
HK$48,618
baseline
▲ 0.50% · 4.625%
HK$51,180
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,236/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,308
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,966
−HK$1,685/mo
Today · 4.125%
HK$56,651
baseline
▲ 0.50% · 4.625%
HK$60,098
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,302/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,304
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,895
−HK$1,614/mo
Today · 4.125%
HK$62,509
baseline
▲ 0.50% · 4.625%
HK$65,803
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,018/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,043 · Scale 2, in force from 26 Feb 2026)