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$29,196
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$923/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,352
−HK$883/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$1,108/mo
Today · 4.125%
HK$37,233
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,466/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,977
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,060/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,875
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,292/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,692
−HK$1,237/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,553
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,661/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$59,247
+HK$3,398/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,465
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,033
−HK$1,591/mo
Today · 4.125%
HK$61,624
baseline
▲ 0.50% · 4.625%
HK$64,872
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,248/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,148 · Scale 2, in force from 26 Feb 2026)