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$29,612
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$936/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$896/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,640
−HK$1,123/mo
Today · 4.125%
HK$37,763
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,526/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,532
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,076/mo
Today · 4.125%
HK$41,668
baseline
▲ 0.50% · 4.625%
HK$43,864
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,336/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,457
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,746
−HK$1,311/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,120
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,255/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,302
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,960
−HK$1,684/mo
Today · 4.125%
HK$56,644
baseline
▲ 0.50% · 4.625%
HK$60,091
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,288/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,298
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,888
−HK$1,613/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$65,796
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,987 · Scale 2, in force from 26 Feb 2026)