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$29,092
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$919/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,365
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$880/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$1,104/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,838
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,057/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,094
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,287/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,233/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,366
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,655/mo
Today · 4.125%
HK$55,650
baseline
▲ 0.50% · 4.625%
HK$59,036
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,300/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,256
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,819
−HK$1,585/mo
Today · 4.125%
HK$61,404
baseline
▲ 0.50% · 4.625%
HK$64,641
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,808/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,435 · Scale 2, in force from 26 Feb 2026)