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$29,591
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$935/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,360
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$895/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$1,122/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$40,032
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,075/mo
Today · 4.125%
HK$41,638
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,276/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,310/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,704
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,254/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,264
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,921
−HK$1,683/mo
Today · 4.125%
HK$56,604
baseline
▲ 0.50% · 4.625%
HK$60,049
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,208/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,845
−HK$1,612/mo
Today · 4.125%
HK$62,457
baseline
▲ 0.50% · 4.625%
HK$65,749
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,914/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,643 · Scale 2, in force from 26 Feb 2026)