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$29,204
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$923/mo
Today · 4.125%
HK$31,036
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,072/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,361
−HK$884/mo
Today · 4.125%
HK$34,245
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,490/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$1,107/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,061/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,886
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,292/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,705
−HK$1,238/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,568
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,203
−HK$1,662/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$59,264
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,481
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,050
−HK$1,591/mo
Today · 4.125%
HK$61,641
baseline
▲ 0.50% · 4.625%
HK$64,890
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,282/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,284 · Scale 2, in force from 26 Feb 2026)