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$29,066
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$919/mo
Today · 4.125%
HK$30,889
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,778/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$880/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,879
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$1,102/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,803
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,056/mo
Today · 4.125%
HK$40,899
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,798/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,692
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,286/mo
Today · 4.125%
HK$43,244
baseline
▲ 0.50% · 4.625%
HK$45,875
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,488/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,270
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,484
−HK$1,232/mo
Today · 4.125%
HK$47,716
baseline
▲ 0.50% · 4.625%
HK$50,231
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,432/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,319
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,654/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,983
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,765
−HK$1,584/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$64,582
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,005 · Scale 2, in force from 26 Feb 2026)