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$29,110
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$920/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,253
−HK$881/mo
Today · 4.125%
HK$34,134
baseline
▲ 0.50% · 4.625%
HK$35,934
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,268/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,019
−HK$1,104/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,382
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,862
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,057/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,754
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,022
−HK$1,288/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,339
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,555
−HK$1,233/mo
Today · 4.125%
HK$47,788
baseline
▲ 0.50% · 4.625%
HK$50,307
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,576/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,656/mo
Today · 4.125%
HK$55,684
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,368/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,293
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,856
−HK$1,586/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$64,681
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,733 · Scale 2, in force from 26 Feb 2026)