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$29,184
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,092
−HK$922/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,901
+HK$1,887/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$884/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,020
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,110
−HK$1,107/mo
Today · 4.125%
HK$37,217
baseline
▲ 0.50% · 4.625%
HK$39,481
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,434/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,960
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,005
−HK$1,060/mo
Today · 4.125%
HK$41,065
baseline
▲ 0.50% · 4.625%
HK$43,229
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,130/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,857
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,128
−HK$1,291/mo
Today · 4.125%
HK$43,419
baseline
▲ 0.50% · 4.625%
HK$46,061
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,838/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,453
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,237/mo
Today · 4.125%
HK$47,909
baseline
▲ 0.50% · 4.625%
HK$50,434
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,818/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,531
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,660/mo
Today · 4.125%
HK$55,825
baseline
▲ 0.50% · 4.625%
HK$59,222
+HK$3,397/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,650/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,440
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,590/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$64,844
+HK$3,247/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,942 · Scale 2, in force from 26 Feb 2026)