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$29,185
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$922/mo
Today · 4.125%
HK$31,015
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,030/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$883/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,022
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$1,106/mo
Today · 4.125%
HK$37,218
baseline
▲ 0.50% · 4.625%
HK$39,483
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,436/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,962
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,007
−HK$1,060/mo
Today · 4.125%
HK$41,067
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,134/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,292/mo
Today · 4.125%
HK$43,422
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,844/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,456
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,236/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,533
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,167
−HK$1,661/mo
Today · 4.125%
HK$55,828
baseline
▲ 0.50% · 4.625%
HK$59,225
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,656/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,443
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,010
−HK$1,590/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$64,847
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,966 · Scale 2, in force from 26 Feb 2026)