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$29,206
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$923/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,926
+HK$1,889/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,363
−HK$884/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,047
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$1,108/mo
Today · 4.125%
HK$37,245
baseline
▲ 0.50% · 4.625%
HK$39,511
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,490/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,035
−HK$1,061/mo
Today · 4.125%
HK$41,096
baseline
▲ 0.50% · 4.625%
HK$43,262
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,192/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,888
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,292/mo
Today · 4.125%
HK$43,452
baseline
▲ 0.50% · 4.625%
HK$46,096
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,904/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,708
−HK$1,237/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,473
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,571
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,206
−HK$1,661/mo
Today · 4.125%
HK$55,867
baseline
▲ 0.50% · 4.625%
HK$59,267
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,734/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,484
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,053
−HK$1,591/mo
Today · 4.125%
HK$61,644
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,288/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,306 · Scale 2, in force from 26 Feb 2026)