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$29,112
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$881/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$1,104/mo
Today · 4.125%
HK$37,125
baseline
▲ 0.50% · 4.625%
HK$39,384
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,250/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,058/mo
Today · 4.125%
HK$40,964
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,928/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,757
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,288/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,948
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,234/mo
Today · 4.125%
HK$47,791
baseline
▲ 0.50% · 4.625%
HK$50,310
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,582/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,401
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,031
−HK$1,656/mo
Today · 4.125%
HK$55,687
baseline
▲ 0.50% · 4.625%
HK$59,076
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,374/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,296
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,859
−HK$1,587/mo
Today · 4.125%
HK$61,446
baseline
▲ 0.50% · 4.625%
HK$64,684
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,892/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,760 · Scale 2, in force from 26 Feb 2026)