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$29,620
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$937/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,915/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$896/mo
Today · 4.125%
HK$34,732
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$1,831/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,464/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$1,123/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$40,072
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,543
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,076/mo
Today · 4.125%
HK$41,679
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,358/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,311/mo
Today · 4.125%
HK$44,069
baseline
▲ 0.50% · 4.625%
HK$46,750
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,138/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,133
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,370
−HK$1,255/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,975
−HK$1,685/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$60,107
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,320/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,314
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,613/mo
Today · 4.125%
HK$62,518
baseline
▲ 0.50% · 4.625%
HK$65,814
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,036/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,119 · Scale 2, in force from 26 Feb 2026)