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$29,194
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$922/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,913
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,479
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$883/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,033
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,123
−HK$1,107/mo
Today · 4.125%
HK$37,230
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,460/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,974
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,020
−HK$1,060/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,872
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,144
−HK$1,291/mo
Today · 4.125%
HK$43,435
baseline
▲ 0.50% · 4.625%
HK$46,078
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,870/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,470
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,238/mo
Today · 4.125%
HK$47,927
baseline
▲ 0.50% · 4.625%
HK$50,453
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,854/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,185
−HK$1,660/mo
Today · 4.125%
HK$55,845
baseline
▲ 0.50% · 4.625%
HK$59,243
+HK$3,398/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,690/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,461
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,029
−HK$1,591/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$64,868
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,119 · Scale 2, in force from 26 Feb 2026)