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$29,167
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$922/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,318
−HK$883/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,001
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$1,106/mo
Today · 4.125%
HK$37,195
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$2,264/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,390/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,938
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,982
−HK$1,059/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,205
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,834
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,291/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$46,035
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,427
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,236/mo
Today · 4.125%
HK$47,882
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,764/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,501
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,134
−HK$1,659/mo
Today · 4.125%
HK$55,793
baseline
▲ 0.50% · 4.625%
HK$59,188
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,586/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,407
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,973
−HK$1,589/mo
Today · 4.125%
HK$61,562
baseline
▲ 0.50% · 4.625%
HK$64,807
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,124/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,668 · Scale 2, in force from 26 Feb 2026)