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$29,165
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$922/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,886/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$883/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$1,803/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$1,106/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,935
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,059/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,202
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,291/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,236/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,498
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,660/mo
Today · 4.125%
HK$55,790
baseline
▲ 0.50% · 4.625%
HK$59,184
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,580/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,403
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,589/mo
Today · 4.125%
HK$61,558
baseline
▲ 0.50% · 4.625%
HK$64,803
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,116/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,639 · Scale 2, in force from 26 Feb 2026)