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$29,557
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$934/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,882
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,764
−HK$895/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$1,121/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,073/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,193/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,308/mo
Today · 4.125%
HK$43,975
baseline
▲ 0.50% · 4.625%
HK$46,651
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,950/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,035
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,269
−HK$1,253/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,080
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,203
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,858
−HK$1,681/mo
Today · 4.125%
HK$56,539
baseline
▲ 0.50% · 4.625%
HK$59,979
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,078/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,188
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,610/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$65,674
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,083 · Scale 2, in force from 26 Feb 2026)