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$29,614
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$936/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$896/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$1,123/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,298/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,075/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$43,867
+HK$2,197/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,311/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,680/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,255/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,963
−HK$1,685/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$60,095
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,302
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,613/mo
Today · 4.125%
HK$62,505
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,010/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,019 · Scale 2, in force from 26 Feb 2026)