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$29,200
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,108
−HK$923/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,355
−HK$884/mo
Today · 4.125%
HK$34,239
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,478/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,040
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,129
−HK$1,108/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,474/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,981
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,027
−HK$1,060/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,879
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,151
−HK$1,292/mo
Today · 4.125%
HK$43,443
baseline
▲ 0.50% · 4.625%
HK$46,086
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,886/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,478
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,237/mo
Today · 4.125%
HK$47,935
baseline
▲ 0.50% · 4.625%
HK$50,462
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,870/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,194
−HK$1,661/mo
Today · 4.125%
HK$55,855
baseline
▲ 0.50% · 4.625%
HK$59,254
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,710/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,472
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,040
−HK$1,591/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$64,879
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,203 · Scale 2, in force from 26 Feb 2026)