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$29,565
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$935/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,331
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,891
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$895/mo
Today · 4.125%
HK$34,668
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,336/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,478
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$1,122/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,527
−HK$1,074/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,308/mo
Today · 4.125%
HK$43,986
baseline
▲ 0.50% · 4.625%
HK$46,663
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,972/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,047
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,253/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,217
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,682/mo
Today · 4.125%
HK$56,554
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,108/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,791
−HK$1,611/mo
Today · 4.125%
HK$62,402
baseline
▲ 0.50% · 4.625%
HK$65,691
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,804/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,209 · Scale 2, in force from 26 Feb 2026)