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$29,568
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$935/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$895/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$1,121/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,472
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,531
−HK$1,074/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$43,798
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,395
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,308/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,667
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,051
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,286
−HK$1,253/mo
Today · 4.125%
HK$48,539
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,078/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,222
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,877
−HK$1,682/mo
Today · 4.125%
HK$56,559
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,118/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,209
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,796
−HK$1,611/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$65,697
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,255 · Scale 2, in force from 26 Feb 2026)