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$29,614
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,536
−HK$935/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,946
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$897/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,643
−HK$1,123/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$40,064
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,532/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,535
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,076/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$43,867
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,750
−HK$1,310/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,741
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,124
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,361
−HK$1,255/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,179
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,306
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,964
−HK$1,685/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,302
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,893
−HK$1,613/mo
Today · 4.125%
HK$62,506
baseline
▲ 0.50% · 4.625%
HK$65,801
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,012/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,024 · Scale 2, in force from 26 Feb 2026)