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$29,600
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$935/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,813
−HK$896/mo
Today · 4.125%
HK$34,709
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,418/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$1,123/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,075/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,729
−HK$1,310/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,102
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,255/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,154
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,938
−HK$1,683/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$60,067
+HK$3,446/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,274
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,864
−HK$1,612/mo
Today · 4.125%
HK$62,476
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,952/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,791 · Scale 2, in force from 26 Feb 2026)