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$29,576
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$935/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,343
+HK$1,912/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,903
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$895/mo
Today · 4.125%
HK$34,680
baseline
▲ 0.50% · 4.625%
HK$36,509
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,360/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$1,122/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,295/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,483
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,542
−HK$1,075/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$43,810
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,694
−HK$1,309/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,680
+HK$2,677/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,299
−HK$1,254/mo
Today · 4.125%
HK$48,553
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,559/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,106/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,237
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,892
−HK$1,683/mo
Today · 4.125%
HK$56,575
baseline
▲ 0.50% · 4.625%
HK$60,017
+HK$3,442/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,150/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,225
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,813
−HK$1,612/mo
Today · 4.125%
HK$62,425
baseline
▲ 0.50% · 4.625%
HK$65,715
+HK$3,290/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,850/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,391 · Scale 2, in force from 26 Feb 2026)