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$29,207
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,115
−HK$923/mo
Today · 4.125%
HK$31,038
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,889/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,076/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,492
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$884/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$1,805/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,048
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,138
−HK$1,108/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,060/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,162
−HK$1,292/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$46,098
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,489
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,709
−HK$1,238/mo
Today · 4.125%
HK$47,947
baseline
▲ 0.50% · 4.625%
HK$50,474
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,894/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,572
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,208
−HK$1,661/mo
Today · 4.125%
HK$55,869
baseline
▲ 0.50% · 4.625%
HK$59,269
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,738/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,486
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,055
−HK$1,591/mo
Today · 4.125%
HK$61,646
baseline
▲ 0.50% · 4.625%
HK$64,895
+HK$3,249/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,292/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,323 · Scale 2, in force from 26 Feb 2026)