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$29,577
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$935/mo
Today · 4.125%
HK$31,432
baseline
▲ 0.50% · 4.625%
HK$33,345
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,864/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,904
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$895/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,510
+HK$1,828/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,493
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$1,121/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,485
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,075/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$43,812
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,408
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,696
−HK$1,309/mo
Today · 4.125%
HK$44,005
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,010/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,066
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,253/mo
Today · 4.125%
HK$48,555
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,110/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,239
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,895
−HK$1,683/mo
Today · 4.125%
HK$56,578
baseline
▲ 0.50% · 4.625%
HK$60,020
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,156/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,228
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,816
−HK$1,612/mo
Today · 4.125%
HK$62,428
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,291/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,856/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,414 · Scale 2, in force from 26 Feb 2026)