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$29,571
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$935/mo
Today · 4.125%
HK$31,426
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,852/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,898
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,780
−HK$895/mo
Today · 4.125%
HK$34,675
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,350/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,486
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$1,122/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,477
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,074/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$43,804
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,308/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,292
−HK$1,253/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,104
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,682/mo
Today · 4.125%
HK$56,566
baseline
▲ 0.50% · 4.625%
HK$60,008
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,132/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,216
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,804
−HK$1,611/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$65,705
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,316 · Scale 2, in force from 26 Feb 2026)