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$29,203
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$923/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,488
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$884/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,048
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,043
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,133
−HK$1,108/mo
Today · 4.125%
HK$37,241
baseline
▲ 0.50% · 4.625%
HK$39,507
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,482/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,985
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,031
−HK$1,061/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,258
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,292/mo
Today · 4.125%
HK$43,448
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,896/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,237/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,661/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$59,260
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,591/mo
Today · 4.125%
HK$61,638
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,276/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,257 · Scale 2, in force from 26 Feb 2026)