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$29,108
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$919/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,382
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$881/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$35,931
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,057/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,019
−HK$1,288/mo
Today · 4.125%
HK$43,307
baseline
▲ 0.50% · 4.625%
HK$45,942
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,614/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,551
−HK$1,234/mo
Today · 4.125%
HK$47,785
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,570/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,395
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,656/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$59,068
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,852
−HK$1,586/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,698 · Scale 2, in force from 26 Feb 2026)