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$29,558
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$934/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,765
−HK$895/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,573
−HK$1,121/mo
Today · 4.125%
HK$37,694
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,388/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,460
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,518
−HK$1,074/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$43,784
+HK$2,192/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,381
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,307/mo
Today · 4.125%
HK$43,976
baseline
▲ 0.50% · 4.625%
HK$46,652
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,952/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,036
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,271
−HK$1,253/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,081
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,205
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,860
−HK$1,681/mo
Today · 4.125%
HK$56,541
baseline
▲ 0.50% · 4.625%
HK$59,981
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,082/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,190
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,777
−HK$1,610/mo
Today · 4.125%
HK$62,387
baseline
▲ 0.50% · 4.625%
HK$65,676
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,774/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,099 · Scale 2, in force from 26 Feb 2026)