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$29,555
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$934/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,912/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$894/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,483
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$1,121/mo
Today · 4.125%
HK$37,690
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,380/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,456
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,073/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,308/mo
Today · 4.125%
HK$43,972
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,944/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,253/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,854
−HK$1,681/mo
Today · 4.125%
HK$56,535
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,070/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,610/mo
Today · 4.125%
HK$62,381
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,762/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,049 · Scale 2, in force from 26 Feb 2026)