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$29,114
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$920/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,389
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$881/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,023
−HK$1,105/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,909
−HK$1,058/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,126
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,027
−HK$1,288/mo
Today · 4.125%
HK$43,315
baseline
▲ 0.50% · 4.625%
HK$45,951
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,630/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,345
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,233/mo
Today · 4.125%
HK$47,794
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,588/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,405
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,035
−HK$1,656/mo
Today · 4.125%
HK$55,691
baseline
▲ 0.50% · 4.625%
HK$59,080
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,382/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,300
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,586/mo
Today · 4.125%
HK$61,450
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,900/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,794 · Scale 2, in force from 26 Feb 2026)