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$29,598
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$935/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,368
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,927
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$896/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,517
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$1,123/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$40,041
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,513
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,075/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$43,843
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,437
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,726
−HK$1,310/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,715
+HK$2,679/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,335
−HK$1,254/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,150
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,276
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,684/mo
Today · 4.125%
HK$56,617
baseline
▲ 0.50% · 4.625%
HK$60,062
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,234/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,269
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,859
−HK$1,612/mo
Today · 4.125%
HK$62,471
baseline
▲ 0.50% · 4.625%
HK$65,764
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,942/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,753 · Scale 2, in force from 26 Feb 2026)