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$29,556
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$934/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$895/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,570
−HK$1,121/mo
Today · 4.125%
HK$37,691
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,294/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,382/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,074/mo
Today · 4.125%
HK$41,589
baseline
▲ 0.50% · 4.625%
HK$43,781
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,178/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,378
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,308/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,267
−HK$1,253/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,077
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,201
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,855
−HK$1,682/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,977
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,185
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,772
−HK$1,611/mo
Today · 4.125%
HK$62,383
baseline
▲ 0.50% · 4.625%
HK$65,671
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,766/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,063 · Scale 2, in force from 26 Feb 2026)