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$29,602
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$935/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$896/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$1,830/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$1,123/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,518
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,075/mo
Today · 4.125%
HK$41,653
baseline
▲ 0.50% · 4.625%
HK$43,849
+HK$2,196/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,306/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,309/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,680/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,254/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,562/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,283
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,941
−HK$1,684/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$60,070
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,277
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,867
−HK$1,613/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$65,773
+HK$3,293/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,817 · Scale 2, in force from 26 Feb 2026)