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$29,602
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$935/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$896/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,122/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,076/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,849
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,443
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,310/mo
Today · 4.125%
HK$44,042
baseline
▲ 0.50% · 4.625%
HK$46,722
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,105
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,255/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,284
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,941
−HK$1,684/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$60,071
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,278
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,612/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$486,824 · Scale 2, in force from 26 Feb 2026)