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$29,609
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$936/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$896/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,550
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,531
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,637
−HK$1,122/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,528
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,588
−HK$1,076/mo
Today · 4.125%
HK$41,664
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,328/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,310/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,255/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,297
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,684/mo
Today · 4.125%
HK$56,639
baseline
▲ 0.50% · 4.625%
HK$60,086
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,278/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,292
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,883
−HK$1,613/mo
Today · 4.125%
HK$62,496
baseline
▲ 0.50% · 4.625%
HK$65,790
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,992/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,943 · Scale 2, in force from 26 Feb 2026)