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$1,858/mo
▼ 0.25% · 3.875%
HK$30,540
−HK$936/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$896/mo
Today · 4.125%
HK$34,730
baseline
▲ 0.50% · 4.625%
HK$36,561
+HK$1,831/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$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$1,123/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,298/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,075/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$43,873
+HK$2,197/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$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,466
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,310/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,747
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,130
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,367
−HK$1,256/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,185
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,971
−HK$1,685/mo
Today · 4.125%
HK$56,656
baseline
▲ 0.50% · 4.625%
HK$60,104
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,312/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,310
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,614/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,090 · Scale 2, in force from 26 Feb 2026)