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$29,570
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$935/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,896
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$895/mo
Today · 4.125%
HK$34,673
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,346/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,587
−HK$1,122/mo
Today · 4.125%
HK$37,709
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,418/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,074/mo
Today · 4.125%
HK$41,608
baseline
▲ 0.50% · 4.625%
HK$43,801
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,216/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,397
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,308/mo
Today · 4.125%
HK$43,993
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,986/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,253/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,101
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,225
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,881
−HK$1,682/mo
Today · 4.125%
HK$56,563
baseline
▲ 0.50% · 4.625%
HK$60,005
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,126/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,212
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,800
−HK$1,612/mo
Today · 4.125%
HK$62,412
baseline
▲ 0.50% · 4.625%
HK$65,701
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,824/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,287 · Scale 2, in force from 26 Feb 2026)