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$29,208
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$923/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,889/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$884/mo
Today · 4.125%
HK$34,249
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$1,806/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,498/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,140
−HK$1,108/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,061/mo
Today · 4.125%
HK$41,099
baseline
▲ 0.50% · 4.625%
HK$43,266
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,198/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,293/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,711
−HK$1,238/mo
Today · 4.125%
HK$47,949
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,898/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,662/mo
Today · 4.125%
HK$55,872
baseline
▲ 0.50% · 4.625%
HK$59,271
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,744/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,489
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,058
−HK$1,591/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$64,899
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,345 · Scale 2, in force from 26 Feb 2026)