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$29,169
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$922/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$883/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,002
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$1,106/mo
Today · 4.125%
HK$37,197
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,394/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,940
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,984
−HK$1,060/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,836
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,291/mo
Today · 4.125%
HK$43,397
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,641/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,794/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,430
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,648
−HK$1,236/mo
Today · 4.125%
HK$47,884
baseline
▲ 0.50% · 4.625%
HK$50,408
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,768/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,504
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,659/mo
Today · 4.125%
HK$55,796
baseline
▲ 0.50% · 4.625%
HK$59,191
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,592/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,410
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,976
−HK$1,589/mo
Today · 4.125%
HK$61,565
baseline
▲ 0.50% · 4.625%
HK$64,811
+HK$3,246/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,130/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,695 · Scale 2, in force from 26 Feb 2026)