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$29,589
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$935/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,913/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$895/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,612
−HK$1,122/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,296/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,074/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,713
−HK$1,310/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,678/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,085
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,254/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,135
+HK$2,560/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,261
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,917
−HK$1,684/mo
Today · 4.125%
HK$56,601
baseline
▲ 0.50% · 4.625%
HK$60,045
+HK$3,444/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,202/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,252
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,841
−HK$1,612/mo
Today · 4.125%
HK$62,453
baseline
▲ 0.50% · 4.625%
HK$65,745
+HK$3,292/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,906/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,611 · Scale 2, in force from 26 Feb 2026)