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$29,077
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,981
−HK$919/mo
Today · 4.125%
HK$30,900
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,800/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$880/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$35,892
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,892
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$1,103/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,817
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,056/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,707
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,286/mo
Today · 4.125%
HK$43,260
baseline
▲ 0.50% · 4.625%
HK$45,892
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,520/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,286
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,501
−HK$1,232/mo
Today · 4.125%
HK$47,733
baseline
▲ 0.50% · 4.625%
HK$50,249
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,466/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,338
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,966
−HK$1,654/mo
Today · 4.125%
HK$55,620
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$3,384/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,240/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,225
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,787
−HK$1,584/mo
Today · 4.125%
HK$61,371
baseline
▲ 0.50% · 4.625%
HK$64,606
+HK$3,235/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,742/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,181 · Scale 2, in force from 26 Feb 2026)