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$29,189
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,097
−HK$922/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$884/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$1,107/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,060/mo
Today · 4.125%
HK$41,072
baseline
▲ 0.50% · 4.625%
HK$43,237
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,144/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,291/mo
Today · 4.125%
HK$43,427
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,854/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,237/mo
Today · 4.125%
HK$47,918
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,836/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,540
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,660/mo
Today · 4.125%
HK$55,835
baseline
▲ 0.50% · 4.625%
HK$59,233
+HK$3,398/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,670/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,451
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,018
−HK$1,591/mo
Today · 4.125%
HK$61,609
baseline
▲ 0.50% · 4.625%
HK$64,856
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,218/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,030 · Scale 2, in force from 26 Feb 2026)