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$29,121
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$921/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$882/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,296/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,104/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,058/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,137
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,038
−HK$1,289/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,963
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,356
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,234/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,419
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,049
−HK$1,657/mo
Today · 4.125%
HK$55,706
baseline
▲ 0.50% · 4.625%
HK$59,095
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,412/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,315
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,879
−HK$1,587/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$64,706
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,918 · Scale 2, in force from 26 Feb 2026)