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$29,209
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$923/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,495
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$884/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$1,806/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,051
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$1,108/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,515
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,994
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,039
−HK$1,061/mo
Today · 4.125%
HK$41,100
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,200/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,292/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$46,101
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,237/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,576
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,661/mo
Today · 4.125%
HK$55,873
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,746/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,490
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,592/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$64,900
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,358 · Scale 2, in force from 26 Feb 2026)