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$29,101
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$920/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$881/mo
Today · 4.125%
HK$34,124
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,248/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$1,103/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$2,259/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,222/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,057/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,742
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,288/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,931
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,540
−HK$1,234/mo
Today · 4.125%
HK$47,774
baseline
▲ 0.50% · 4.625%
HK$50,292
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,548/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,382
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,012
−HK$1,655/mo
Today · 4.125%
HK$55,667
baseline
▲ 0.50% · 4.625%
HK$59,054
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,334/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,275
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,838
−HK$1,585/mo
Today · 4.125%
HK$61,423
baseline
▲ 0.50% · 4.625%
HK$64,661
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,846/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,586 · Scale 2, in force from 26 Feb 2026)