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$29,564
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,483
−HK$935/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,329
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$895/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$1,121/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,995
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,467
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,073/mo
Today · 4.125%
HK$41,599
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,198/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,389
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,677
−HK$1,308/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,661
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,045
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,280
−HK$1,253/mo
Today · 4.125%
HK$48,533
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,066/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,215
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,682/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,201
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,788
−HK$1,611/mo
Today · 4.125%
HK$62,399
baseline
▲ 0.50% · 4.625%
HK$65,688
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,798/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,190 · Scale 2, in force from 26 Feb 2026)