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$29,575
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,495
−HK$934/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,913/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$895/mo
Today · 4.125%
HK$34,679
baseline
▲ 0.50% · 4.625%
HK$36,507
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,358/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$1,121/mo
Today · 4.125%
HK$37,715
baseline
▲ 0.50% · 4.625%
HK$40,010
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,430/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,541
−HK$1,074/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$43,809
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,693
−HK$1,308/mo
Today · 4.125%
HK$44,001
baseline
▲ 0.50% · 4.625%
HK$46,678
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,002/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,062
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,298
−HK$1,253/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,110
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,890
−HK$1,683/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,811
−HK$1,612/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,372 · Scale 2, in force from 26 Feb 2026)