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$29,577
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$934/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,904
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,786
−HK$896/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,510
+HK$1,828/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,492
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,596
−HK$1,122/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,485
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,074/mo
Today · 4.125%
HK$41,618
baseline
▲ 0.50% · 4.625%
HK$43,812
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,236/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,695
−HK$1,309/mo
Today · 4.125%
HK$44,004
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,008/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,065
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,301
−HK$1,253/mo
Today · 4.125%
HK$48,554
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,108/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,894
−HK$1,683/mo
Today · 4.125%
HK$56,577
baseline
▲ 0.50% · 4.625%
HK$60,019
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,154/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,227
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,815
−HK$1,612/mo
Today · 4.125%
HK$62,427
baseline
▲ 0.50% · 4.625%
HK$65,717
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,854/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,406 · Scale 2, in force from 26 Feb 2026)