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$29,605
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$935/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$896/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,544
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$1,123/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,075/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,447
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,736
−HK$1,310/mo
Today · 4.125%
HK$44,046
baseline
▲ 0.50% · 4.625%
HK$46,726
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,092/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,109
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,346
−HK$1,254/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,162
+HK$2,562/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,289
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,946
−HK$1,684/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,613/mo
Today · 4.125%
HK$62,486
baseline
▲ 0.50% · 4.625%
HK$65,780
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,972/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,867 · Scale 2, in force from 26 Feb 2026)