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$29,587
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$935/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$896/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$1,122/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,075/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,194/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,422
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,711
−HK$1,309/mo
Today · 4.125%
HK$44,020
baseline
▲ 0.50% · 4.625%
HK$46,698
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,040/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,253/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,257
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,914
−HK$1,683/mo
Today · 4.125%
HK$56,597
baseline
▲ 0.50% · 4.625%
HK$60,041
+HK$3,444/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,194/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,248
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,612/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$65,741
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,579 · Scale 2, in force from 26 Feb 2026)