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$29,168
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$922/mo
Today · 4.125%
HK$30,997
baseline
▲ 0.50% · 4.625%
HK$32,883
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$61,994/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,449
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$883/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,005
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,001
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$1,106/mo
Today · 4.125%
HK$37,196
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,392/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,059/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,290/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,641/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,236/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,502
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,135
−HK$1,659/mo
Today · 4.125%
HK$55,794
baseline
▲ 0.50% · 4.625%
HK$59,189
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,588/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,408
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,974
−HK$1,589/mo
Today · 4.125%
HK$61,563
baseline
▲ 0.50% · 4.625%
HK$64,808
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,126/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,678 · Scale 2, in force from 26 Feb 2026)