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$29,618
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$897/mo
Today · 4.125%
HK$34,730
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,460/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,541
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$1,123/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,298/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,076/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,196/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,465
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,755
−HK$1,310/mo
Today · 4.125%
HK$44,065
baseline
▲ 0.50% · 4.625%
HK$46,746
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,130/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,129
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,367
−HK$1,255/mo
Today · 4.125%
HK$48,622
baseline
▲ 0.50% · 4.625%
HK$51,185
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,244/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,312
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,970
−HK$1,685/mo
Today · 4.125%
HK$56,655
baseline
▲ 0.50% · 4.625%
HK$60,103
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,310/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,309
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,900
−HK$1,614/mo
Today · 4.125%
HK$62,514
baseline
▲ 0.50% · 4.625%
HK$65,809
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,028/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,081 · Scale 2, in force from 26 Feb 2026)