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$29,179
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$922/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$884/mo
Today · 4.125%
HK$34,215
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,430/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,014
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,103
−HK$1,107/mo
Today · 4.125%
HK$37,210
baseline
▲ 0.50% · 4.625%
HK$39,474
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,420/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,953
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,998
−HK$1,060/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,850
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,121
−HK$1,291/mo
Today · 4.125%
HK$43,412
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,641/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,824/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,445
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,664
−HK$1,236/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,425
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,521
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,660/mo
Today · 4.125%
HK$55,815
baseline
▲ 0.50% · 4.625%
HK$59,211
+HK$3,396/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,630/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,430
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,997
−HK$1,589/mo
Today · 4.125%
HK$61,586
baseline
▲ 0.50% · 4.625%
HK$64,833
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,172/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,857 · Scale 2, in force from 26 Feb 2026)