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$29,581
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$935/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$895/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$1,122/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,490
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,075/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,309/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,072
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,307
−HK$1,254/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,121
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,246
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,902
−HK$1,683/mo
Today · 4.125%
HK$56,585
baseline
▲ 0.50% · 4.625%
HK$60,028
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,170/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,235
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,824
−HK$1,612/mo
Today · 4.125%
HK$62,436
baseline
▲ 0.50% · 4.625%
HK$65,727
+HK$3,291/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,872/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,474 · Scale 2, in force from 26 Feb 2026)