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$29,569
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$934/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,335
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,895
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$895/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,500
+HK$1,828/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,586
−HK$1,122/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$40,002
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,474
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,533
−HK$1,074/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$43,800
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,397
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,684
−HK$1,308/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,669
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,053
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,288
−HK$1,253/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,100
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,224
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,880
−HK$1,682/mo
Today · 4.125%
HK$56,562
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,124/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,211
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,799
−HK$1,611/mo
Today · 4.125%
HK$62,410
baseline
▲ 0.50% · 4.625%
HK$65,700
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,820/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,277 · Scale 2, in force from 26 Feb 2026)