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$29,203
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$923/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,488
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$884/mo
Today · 4.125%
HK$34,244
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,488/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$1,108/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,508
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,986
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,032
−HK$1,060/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,258
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,293/mo
Today · 4.125%
HK$43,449
baseline
▲ 0.50% · 4.625%
HK$46,092
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,898/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,237/mo
Today · 4.125%
HK$47,941
baseline
▲ 0.50% · 4.625%
HK$50,468
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,882/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,566
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,201
−HK$1,661/mo
Today · 4.125%
HK$55,862
baseline
▲ 0.50% · 4.625%
HK$59,261
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,724/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,479
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,048
−HK$1,591/mo
Today · 4.125%
HK$61,639
baseline
▲ 0.50% · 4.625%
HK$64,888
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,278/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,265 · Scale 2, in force from 26 Feb 2026)