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$29,603
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$936/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,374
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,817
−HK$896/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$1,123/mo
Today · 4.125%
HK$37,752
baseline
▲ 0.50% · 4.625%
HK$40,049
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,504/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,520
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,075/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$43,851
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,445
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,310/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,255/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,159
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,286
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,943
−HK$1,684/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$60,073
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,280
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,870
−HK$1,613/mo
Today · 4.125%
HK$62,483
baseline
▲ 0.50% · 4.625%
HK$65,776
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,966/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,843 · Scale 2, in force from 26 Feb 2026)