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$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$919/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$881/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,906
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,992
−HK$1,103/mo
Today · 4.125%
HK$37,095
baseline
▲ 0.50% · 4.625%
HK$39,352
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,190/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,833
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,057/mo
Today · 4.125%
HK$40,931
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,862/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,287/mo
Today · 4.125%
HK$43,277
baseline
▲ 0.50% · 4.625%
HK$45,911
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,554/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,520
−HK$1,232/mo
Today · 4.125%
HK$47,752
baseline
▲ 0.50% · 4.625%
HK$50,269
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,504/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,359
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,988
−HK$1,654/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$59,028
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,249
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,585/mo
Today · 4.125%
HK$61,396
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,792/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,372 · Scale 2, in force from 26 Feb 2026)