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$1,830/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$922/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,914
+HK$1,888/mo
Deposit HK$6.40M · loan HK$6.40M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,351
−HK$884/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,039
+HK$1,804/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$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$1,108/mo
Today · 4.125%
HK$37,232
baseline
▲ 0.50% · 4.625%
HK$39,497
+HK$2,265/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$74,464/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,976
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,021
−HK$1,060/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,247
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.68M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,292/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,643/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,472
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,237/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,527/mo
Deposit HK$3.84M · loan HK$8.96M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,552
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,187
−HK$1,661/mo
Today · 4.125%
HK$55,848
baseline
▲ 0.50% · 4.625%
HK$59,246
+HK$3,398/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$111,696/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,464
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,032
−HK$1,590/mo
Today · 4.125%
HK$61,622
baseline
▲ 0.50% · 4.625%
HK$64,870
+HK$3,248/mo
Deposit HK$1.28M · loan HK$11.52M · min. income ≈ HK$123,244/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,137 · Scale 2, in force from 26 Feb 2026)