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$29,560
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,480
−HK$934/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$894/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,489
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$1,121/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,074/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$43,787
+HK$2,192/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,385
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,308/mo
Today · 4.125%
HK$43,980
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,960/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,040
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,275
−HK$1,252/mo
Today · 4.125%
HK$48,527
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,054/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,209
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,864
−HK$1,681/mo
Today · 4.125%
HK$56,545
baseline
▲ 0.50% · 4.625%
HK$59,986
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,090/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,194
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,782
−HK$1,610/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$65,681
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,784/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,137 · Scale 2, in force from 26 Feb 2026)