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$1,854/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$934/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$895/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,468
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$1,121/mo
Today · 4.125%
HK$37,692
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,384/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,516
−HK$1,073/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$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,308/mo
Today · 4.125%
HK$43,974
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,948/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,268
−HK$1,253/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,201
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,682/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,978
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,186
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,773
−HK$1,611/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$65,672
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,070 · Scale 2, in force from 26 Feb 2026)