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$29,559
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$934/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$894/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,488
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,575
−HK$1,121/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,989
+HK$2,293/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,074/mo
Today · 4.125%
HK$41,594
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,192/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,188/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,383
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,670
−HK$1,308/mo
Today · 4.125%
HK$43,978
baseline
▲ 0.50% · 4.625%
HK$46,654
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,956/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,038
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,273
−HK$1,253/mo
Today · 4.125%
HK$48,526
baseline
▲ 0.50% · 4.625%
HK$51,084
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,207
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,862
−HK$1,682/mo
Today · 4.125%
HK$56,544
baseline
▲ 0.50% · 4.625%
HK$59,984
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,088/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,192
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,780
−HK$1,610/mo
Today · 4.125%
HK$62,390
baseline
▲ 0.50% · 4.625%
HK$65,679
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,780/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,121 · Scale 2, in force from 26 Feb 2026)