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$29,595
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$935/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$895/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,515
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$1,123/mo
Today · 4.125%
HK$37,742
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,484/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,510
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,075/mo
Today · 4.125%
HK$41,644
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,288/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,434
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,310/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,679/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,095
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,254/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,146
+HK$2,561/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,929
−HK$1,683/mo
Today · 4.125%
HK$56,612
baseline
▲ 0.50% · 4.625%
HK$60,057
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,224/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,264
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,612/mo
Today · 4.125%
HK$62,466
baseline
▲ 0.50% · 4.625%
HK$65,759
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,932/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,714 · Scale 2, in force from 26 Feb 2026)