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$29,601
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$935/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$1,123/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,075/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,309/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,720
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,103
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,340
−HK$1,254/mo
Today · 4.125%
HK$48,594
baseline
▲ 0.50% · 4.625%
HK$51,156
+HK$2,562/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,188/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,684/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,276
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,865
−HK$1,613/mo
Today · 4.125%
HK$62,478
baseline
▲ 0.50% · 4.625%
HK$65,771
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,956/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,805 · Scale 2, in force from 26 Feb 2026)