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$29,555
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$934/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,761
−HK$895/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$1,121/mo
Today · 4.125%
HK$37,690
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,380/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,074/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,307/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,031
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,252/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,075
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,853
−HK$1,682/mo
Today · 4.125%
HK$56,535
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,070/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,770
−HK$1,610/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$65,668
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,043 · Scale 2, in force from 26 Feb 2026)