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$29,584
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$935/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,911
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$896/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$1,828/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$1,122/mo
Today · 4.125%
HK$37,727
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,454/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,494
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,074/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,309/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,253/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,125
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,907
−HK$1,683/mo
Today · 4.125%
HK$56,590
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,443/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,180/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,241
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,612/mo
Today · 4.125%
HK$62,441
baseline
▲ 0.50% · 4.625%
HK$65,733
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,882/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,518 · Scale 2, in force from 26 Feb 2026)