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$29,562
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$934/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$895/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,474
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$1,121/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,074/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$43,790
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,308/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,253/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,088
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,681/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,989
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,197
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,611/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,163 · Scale 2, in force from 26 Feb 2026)