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$29,072
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$919/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$880/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$1,103/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,810
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,056/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,063
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,286/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,632/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,279
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,493
−HK$1,232/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,329
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,957
−HK$1,653/mo
Today · 4.125%
HK$55,610
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$3,384/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,220/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,215
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,777
−HK$1,583/mo
Today · 4.125%
HK$61,360
baseline
▲ 0.50% · 4.625%
HK$64,595
+HK$3,235/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,720/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,097 · Scale 2, in force from 26 Feb 2026)