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$29,580
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$935/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$895/mo
Today · 4.125%
HK$34,685
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,370/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$1,122/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,074/mo
Today · 4.125%
HK$41,622
baseline
▲ 0.50% · 4.625%
HK$43,816
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,244/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,412
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,700
−HK$1,309/mo
Today · 4.125%
HK$44,009
baseline
▲ 0.50% · 4.625%
HK$46,687
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,018/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,070
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,306
−HK$1,254/mo
Today · 4.125%
HK$48,560
baseline
▲ 0.50% · 4.625%
HK$51,119
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,120/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,244
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,900
−HK$1,683/mo
Today · 4.125%
HK$56,583
baseline
▲ 0.50% · 4.625%
HK$60,026
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,166/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,233
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,822
−HK$1,612/mo
Today · 4.125%
HK$62,434
baseline
▲ 0.50% · 4.625%
HK$65,725
+HK$3,291/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,868/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,459 · Scale 2, in force from 26 Feb 2026)