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$29,176
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$922/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$883/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$1,106/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,059/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,116
−HK$1,291/mo
Today · 4.125%
HK$43,407
baseline
▲ 0.50% · 4.625%
HK$46,049
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,814/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,659
−HK$1,237/mo
Today · 4.125%
HK$47,896
baseline
▲ 0.50% · 4.625%
HK$50,420
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,792/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,516
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,150
−HK$1,659/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$59,205
+HK$3,396/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,424
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,991
−HK$1,589/mo
Today · 4.125%
HK$61,580
baseline
▲ 0.50% · 4.625%
HK$64,826
+HK$3,246/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,160/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,809 · Scale 2, in force from 26 Feb 2026)