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$29,603
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$936/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$896/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,123/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,075/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,444
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,733
−HK$1,309/mo
Today · 4.125%
HK$44,042
baseline
▲ 0.50% · 4.625%
HK$46,722
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,106
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,254/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,158
+HK$2,562/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,684/mo
Today · 4.125%
HK$56,626
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,252/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,613/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$65,775
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,830 · Scale 2, in force from 26 Feb 2026)