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$29,210
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$923/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,889/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$884/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$1,806/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,142
−HK$1,108/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,060/mo
Today · 4.125%
HK$41,101
baseline
▲ 0.50% · 4.625%
HK$43,268
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,202/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,292/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,238/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,479
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,213
−HK$1,662/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,492
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,591/mo
Today · 4.125%
HK$61,652
baseline
▲ 0.50% · 4.625%
HK$64,902
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,304/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,370 · Scale 2, in force from 26 Feb 2026)