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$29,175
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$922/mo
Today · 4.125%
HK$31,004
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,008/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$883/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$1,804/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,010
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$1,106/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,469
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,948
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,059/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,216
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,845
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,115
−HK$1,291/mo
Today · 4.125%
HK$43,406
baseline
▲ 0.50% · 4.625%
HK$46,047
+HK$2,641/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,812/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,236/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,419
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,515
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,148
−HK$1,660/mo
Today · 4.125%
HK$55,808
baseline
▲ 0.50% · 4.625%
HK$59,204
+HK$3,396/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,616/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,590/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$64,824
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,797 · Scale 2, in force from 26 Feb 2026)