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$29,591
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$935/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$896/mo
Today · 4.125%
HK$34,699
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,398/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$1,123/mo
Today · 4.125%
HK$37,737
baseline
▲ 0.50% · 4.625%
HK$40,033
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,474/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,564
−HK$1,075/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,309/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,705
+HK$2,679/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,254/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,265
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,922
−HK$1,683/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$60,049
+HK$3,444/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,846
−HK$1,612/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$65,750
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,916/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,648 · Scale 2, in force from 26 Feb 2026)