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$29,579
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$934/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,346
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,906
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$896/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,512
+HK$1,828/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,598
−HK$1,122/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,074/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,410
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,698
−HK$1,309/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,068
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,304
−HK$1,253/mo
Today · 4.125%
HK$48,557
baseline
▲ 0.50% · 4.625%
HK$51,117
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,114/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,241
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,897
−HK$1,683/mo
Today · 4.125%
HK$56,580
baseline
▲ 0.50% · 4.625%
HK$60,023
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,160/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,230
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,612/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$65,721
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,435 · Scale 2, in force from 26 Feb 2026)