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$29,553
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$934/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$894/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,567
−HK$1,121/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,453
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,073/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$43,777
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,662
−HK$1,307/mo
Today · 4.125%
HK$43,969
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,938/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,029
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,253/mo
Today · 4.125%
HK$48,516
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,032/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,681/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,972
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,180
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,767
−HK$1,610/mo
Today · 4.125%
HK$62,377
baseline
▲ 0.50% · 4.625%
HK$65,665
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,754/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,021 · Scale 2, in force from 26 Feb 2026)