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$29,177
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$922/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,459
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,330
−HK$883/mo
Today · 4.125%
HK$34,213
baseline
▲ 0.50% · 4.625%
HK$36,016
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,426/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,012
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,102
−HK$1,106/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,996
−HK$1,059/mo
Today · 4.125%
HK$41,055
baseline
▲ 0.50% · 4.625%
HK$43,220
+HK$2,165/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,110/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,118
−HK$1,291/mo
Today · 4.125%
HK$43,409
baseline
▲ 0.50% · 4.625%
HK$46,051
+HK$2,642/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,818/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,443
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,236/mo
Today · 4.125%
HK$47,898
baseline
▲ 0.50% · 4.625%
HK$50,423
+HK$2,525/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,796/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,519
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,152
−HK$1,660/mo
Today · 4.125%
HK$55,812
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$3,396/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,624/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,994
−HK$1,589/mo
Today · 4.125%
HK$61,583
baseline
▲ 0.50% · 4.625%
HK$64,829
+HK$3,246/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,166/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,832 · Scale 2, in force from 26 Feb 2026)