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$29,191
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,099
−HK$922/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$883/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,033
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,119
−HK$1,107/mo
Today · 4.125%
HK$37,226
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,452/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,060/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,867
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,292/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$46,073
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,684
−HK$1,237/mo
Today · 4.125%
HK$47,921
baseline
▲ 0.50% · 4.625%
HK$50,447
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,842/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,544
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,178
−HK$1,661/mo
Today · 4.125%
HK$55,839
baseline
▲ 0.50% · 4.625%
HK$59,236
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,678/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,454
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,022
−HK$1,590/mo
Today · 4.125%
HK$61,612
baseline
▲ 0.50% · 4.625%
HK$64,860
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,224/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,060 · Scale 2, in force from 26 Feb 2026)