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$29,610
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,531
−HK$936/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$897/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,551
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,532
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,637
−HK$1,123/mo
Today · 4.125%
HK$37,760
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,520/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,529
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,589
−HK$1,076/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$43,861
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,311/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,734
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,117
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,255/mo
Today · 4.125%
HK$48,609
baseline
▲ 0.50% · 4.625%
HK$51,171
+HK$2,562/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,218/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,684/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,293
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,613/mo
Today · 4.125%
HK$62,497
baseline
▲ 0.50% · 4.625%
HK$65,791
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$124,994/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,952 · Scale 2, in force from 26 Feb 2026)