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$29,192
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$923/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,476
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$883/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,120
−HK$1,107/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,971
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,016
−HK$1,061/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,292/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,466
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,237/mo
Today · 4.125%
HK$47,923
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,526/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,846/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,546
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,180
−HK$1,661/mo
Today · 4.125%
HK$55,841
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$3,398/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,682/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,457
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,024
−HK$1,591/mo
Today · 4.125%
HK$61,615
baseline
▲ 0.50% · 4.625%
HK$64,863
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,230/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,079 · Scale 2, in force from 26 Feb 2026)