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$29,080
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,985
−HK$919/mo
Today · 4.125%
HK$30,904
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,808/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,351
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$880/mo
Today · 4.125%
HK$34,099
baseline
▲ 0.50% · 4.625%
HK$35,896
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,198/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,896
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$1,103/mo
Today · 4.125%
HK$37,084
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,168/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,821
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,863
−HK$1,056/mo
Today · 4.125%
HK$40,919
baseline
▲ 0.50% · 4.625%
HK$43,076
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,838/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,712
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,978
−HK$1,287/mo
Today · 4.125%
HK$43,265
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,530/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,292
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,506
−HK$1,233/mo
Today · 4.125%
HK$47,739
baseline
▲ 0.50% · 4.625%
HK$50,255
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,478/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,344
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,972
−HK$1,654/mo
Today · 4.125%
HK$55,626
baseline
▲ 0.50% · 4.625%
HK$59,011
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,252/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,232
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,794
−HK$1,584/mo
Today · 4.125%
HK$61,378
baseline
▲ 0.50% · 4.625%
HK$64,614
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,756/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,236 · Scale 2, in force from 26 Feb 2026)