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$29,597
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$935/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,809
−HK$896/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,621
−HK$1,122/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$40,040
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,511
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,571
−HK$1,075/mo
Today · 4.125%
HK$41,646
baseline
▲ 0.50% · 4.625%
HK$43,841
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,292/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,435
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,309/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,713
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,096
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,332
−HK$1,255/mo
Today · 4.125%
HK$48,587
baseline
▲ 0.50% · 4.625%
HK$51,148
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,174/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,274
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,683/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,266
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,856
−HK$1,612/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$65,761
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,730 · Scale 2, in force from 26 Feb 2026)