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$29,182
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$922/mo
Today · 4.125%
HK$31,012
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,024/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$883/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$1,107/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,479
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,060/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,227
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,291/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,670
−HK$1,237/mo
Today · 4.125%
HK$47,907
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,814/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,528
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,162
−HK$1,660/mo
Today · 4.125%
HK$55,822
baseline
▲ 0.50% · 4.625%
HK$59,219
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,644/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,437
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,004
−HK$1,590/mo
Today · 4.125%
HK$61,594
baseline
▲ 0.50% · 4.625%
HK$64,841
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,188/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,919 · Scale 2, in force from 26 Feb 2026)