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$29,187
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$923/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$884/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$1,107/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,060/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,133
−HK$1,292/mo
Today · 4.125%
HK$43,425
baseline
▲ 0.50% · 4.625%
HK$46,067
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,850/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,237/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,440
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,171
−HK$1,661/mo
Today · 4.125%
HK$55,832
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,664/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,447
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,591/mo
Today · 4.125%
HK$61,605
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,210/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,000 · Scale 2, in force from 26 Feb 2026)