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$29,529
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$933/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$894/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,435
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,537
−HK$1,120/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,949
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,421
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,072/mo
Today · 4.125%
HK$41,551
baseline
▲ 0.50% · 4.625%
HK$43,741
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,102/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,341
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,307/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,607
+HK$2,673/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,992
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,251/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,032
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,153
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,680/mo
Today · 4.125%
HK$56,486
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,972/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,132
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,718
−HK$1,609/mo
Today · 4.125%
HK$62,327
baseline
▲ 0.50% · 4.625%
HK$65,612
+HK$3,285/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,654/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,626 · Scale 2, in force from 26 Feb 2026)