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$29,171
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$922/mo
Today · 4.125%
HK$31,000
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,000/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$883/mo
Today · 4.125%
HK$34,205
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,410/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,093
−HK$1,107/mo
Today · 4.125%
HK$37,200
baseline
▲ 0.50% · 4.625%
HK$39,463
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,400/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,942
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,987
−HK$1,059/mo
Today · 4.125%
HK$41,046
baseline
▲ 0.50% · 4.625%
HK$43,210
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,092/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,291/mo
Today · 4.125%
HK$43,400
baseline
▲ 0.50% · 4.625%
HK$46,040
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,800/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,433
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,236/mo
Today · 4.125%
HK$47,887
baseline
▲ 0.50% · 4.625%
HK$50,411
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,774/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,507
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,140
−HK$1,660/mo
Today · 4.125%
HK$55,800
baseline
▲ 0.50% · 4.625%
HK$59,195
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,600/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,413
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,980
−HK$1,589/mo
Today · 4.125%
HK$61,569
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,246/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,138/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,725 · Scale 2, in force from 26 Feb 2026)