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$29,103
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$920/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$881/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,924
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$1,104/mo
Today · 4.125%
HK$37,114
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$2,258/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,228/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,057/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,110
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,744
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,287/mo
Today · 4.125%
HK$43,299
baseline
▲ 0.50% · 4.625%
HK$45,934
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,598/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,328
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,543
−HK$1,233/mo
Today · 4.125%
HK$47,776
baseline
▲ 0.50% · 4.625%
HK$50,295
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,552/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,385
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,015
−HK$1,656/mo
Today · 4.125%
HK$55,671
baseline
▲ 0.50% · 4.625%
HK$59,058
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,342/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,278
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,841
−HK$1,586/mo
Today · 4.125%
HK$61,427
baseline
▲ 0.50% · 4.625%
HK$64,665
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,854/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,615 · Scale 2, in force from 26 Feb 2026)