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$29,613
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$935/mo
Today · 4.125%
HK$31,470
baseline
▲ 0.50% · 4.625%
HK$33,385
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,940/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$896/mo
Today · 4.125%
HK$34,724
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,448/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$1,123/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,533
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,075/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,197/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,311/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,739
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,122
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,359
−HK$1,255/mo
Today · 4.125%
HK$48,614
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,228/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,304
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,962
−HK$1,685/mo
Today · 4.125%
HK$56,647
baseline
▲ 0.50% · 4.625%
HK$60,094
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,294/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,300
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,891
−HK$1,613/mo
Today · 4.125%
HK$62,504
baseline
▲ 0.50% · 4.625%
HK$65,799
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,008/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,008 · Scale 2, in force from 26 Feb 2026)